Luxembourg: 2026 Swiss health premiums for residents
Luxembourg — 12 insurers accept a policyholder living there, from CHF 299.40 to CHF 579.40 a month, for cover identical under Swiss law.
Between the cheapest and the dearest, the gap reaches CHF 3'360 a year. The cover is the same: the law sets it, not the insurer.
| Insurer | Adult (26+) | Young adult (19–25) | Child (0–18) | Accident surcharge |
|---|---|---|---|---|
| Mutuel | CHF 299.40 | CHF 239.60 | CHF 114.80 | +CHF 270 |
| SWICA | CHF 353.40 | CHF 265.10 | CHF 84.90 | +CHF 318 |
| Helsana | CHF 365.50 | CHF 329.00 | CHF 84.00 | +CHF 330 |
| KPT | CHF 427.80 | CHF 395.30 | CHF 128.30 | +CHF 386 |
| Assura-Basis | CHF 472.50 | CHF 472.50 | CHF 150.20 | +CHF 426 |
| CSS | CHF 492.90 | CHF 369.70 | CHF 108.40 | +CHF 445 |
| ÖKK | CHF 511.50 | CHF 511.50 | CHF 127.90 | +CHF 462 |
| Agrisano | CHF 513.00 | CHF 513.00 | CHF 179.60 | +CHF 324 |
| Sanitas | CHF 530.70 | CHF 451.10 | CHF 159.30 | +CHF 472 |
| Vivao Sympany | CHF 534.80 | CHF 385.10 | CHF 267.40 | +CHF 482 |
| CONCORDIA | CHF 563.50 | CHF 450.80 | CHF 141.00 | +CHF 362 |
| Visana | CHF 579.40 | CHF 405.70 | CHF 162.50 | +CHF 348 |
You may be paying twice for accident cover
You work in Switzerland: your employer insures you against accidents under the LAA. The "with accident" variant of basic insurance covers the same risk a second time. Every premium on these pages is therefore shown WITHOUT accident cover — the "accident surcharge" column shows what the redundant variant would cost.
No HMO, no telemedicine, no family doctor
The official file contains only a base tariff for residents abroad. The alternative models that lower premiums inside Switzerland do not exist here. A comparison promising you one would promise something that does not exist.
The other neighbouring countries
Sources
- OFSP — primes de l’assurance-maladie (fichiers officiels)
- OFSP — assurance-maladie : comparaison des primes
Official FOPH EU/EFTA premium file, 2026 edition, reproduced unchanged. CHF 300 deductible for adults and young adults, CHF 0 for children — the only ones available in this file. This page publishes figures; it does not advise between Swiss and local cover.