Family doctor with a CHF 300 deductible in Region 2 of canton Lucerne

23 insurers offer a Family doctor with a CHF 300 deductible in Region 2. The lowest premium is CHF 441.70 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 468.55, this combination saves CHF 322.20 a year.

Where the saving comes from

The model contributes about CHF 322.20 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	CSS	Gesundheitspraxisversicherung	CHF 441.70	View
2	Sanitas	Hausarztmodell 1	CHF 443.60	View
3	Luzerner Hinterland	Hausmed	CHF 445.10	View
4	KPT	KPTwin.doc	CHF 450.80	View
5	Assura-Basis	PharMed	CHF 456.60	View
6	Vivao Sympany	casamed pharm	CHF 458.40	View
7	Helsana	BeneFit PLUS Hausarzt R1	CHF 458.60	View
8	Sumiswalder	Hausarzt	CHF 464.60	View
9	Galenos	Med Direct	CHF 465.60	View
10	EGK	EGK-Care	CHF 466.90	View
11	SLKK	SLKK-HomeCare	CHF 468.40	View
12	Atupri	CareMed	CHF 468.50	View
13	ÖKK	Hausarzt	CHF 468.90	View
14	CONCORDIA	MyDoc	CHF 470.90	View
15	Avenir	PrimaCare	CHF 480.50	View
16	SWICA	FAVORIT CASA	CHF 482.10	View
17	Visana	Med Direct	CHF 488.10	View
18	Aquilana	CASAMED	CHF 489.70	View
19	Philos	PrimaCare	CHF 504.90	View
20	vita surselva	Sparmed	CHF 505.40	View
21	sana24	Med Direct	CHF 517.40	View
22	rhenusana	Hausarzt-Modell	CHF 523.00	View
23	Mutuel	PrimaCare	CHF 548.00	View

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