Family doctor with a CHF 300 deductible in Region 1 of canton Lucerne

23 insurers offer a Family doctor with a CHF 300 deductible in Region 1. The lowest premium is CHF 461.60 a month for an adult, accident cover included.

What this combination earns

Against free choice of doctor at the minimum deductible, whose lowest premium is CHF 502.55, this combination saves CHF 491.40 a year.

Where the saving comes from

The model contributes about CHF 491.40 a year — the part paid for in freedom to choose your doctor, at the same CHF 300 deductible.

The two parts do not add up exactly: insurers do not price the two choices independently. The total above is the real figure; the breakdown gives the order of magnitude of each lever.

What the deductible risks

This is the minimum deductible: no extra risk compared with the reference.

The insurers, cheapest to dearest

23 insurers offer this combination in this region, with the trade name of their plan.

Rank	Insurer	Plan name	Premium
1	Sanitas	Hausarztmodell 1	CHF 461.60	View
2	Helsana	BeneFit PLUS Hausarzt R1	CHF 472.00	View
3	CSS	Gesundheitspraxisversicherung	CHF 473.80	View
4	Vivao Sympany	casamed hausarzt	CHF 476.20	View
5	Luzerner Hinterland	Hausmed	CHF 477.40	View
6	Atupri	CareMed	CHF 477.80	View
7	Assura-Basis	PharMed	CHF 478.80	View
8	ÖKK	Hausarzt	CHF 492.30	View
9	KPT	KPTwin.doc	CHF 498.70	View
10	Avenir	PrimaCare	CHF 500.50	View
11	CONCORDIA	MyDoc	CHF 501.10	View
12	EGK	EGK-Care	CHF 502.00	View
13	Sumiswalder	Hausarzt	CHF 504.50	View
14	SWICA	FAVORIT CASA	CHF 505.40	View
15	sana24	Med Direct	CHF 506.40	View
16	Galenos	Med Direct	CHF 514.20	View
17	SLKK	SLKK-HomeCare	CHF 520.50	View
18	Aquilana	CASAMED	CHF 523.70	View
19	Philos	PrimaCare	CHF 531.50	View
20	Visana	Med Direct	CHF 537.70	View
21	vita surselva	Sparmed	CHF 543.40	View
22	rhenusana	Hausarzt-Modell	CHF 574.70	View
23	Mutuel	PrimaCare	CHF 583.00	View

Source: Federal Office of Public Health (FOPH), official premiums. 2026.