Family doctor with a CHF 300 deductible in Region 3 of canton Lucerne

23 insurers offer a Family doctor with a CHF 300 deductible in Region 3. The lowest premium is CHF 429.50 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 452.80, this combination saves CHF 279.60 a year.

Where the saving comes from

The model contributes about CHF 279.60 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 429.50	View
2	Luzerner Hinterland	Hausmed	CHF 430.15	View
3	Vivao Sympany	casamed hausarzt	CHF 436.10	View
4	CSS	Hausarztversicherung Profit	CHF 438.60	View
5	Assura-Basis	PharMed	CHF 440.20	View
6	KPT	KPTwin.doc	CHF 441.50	View
7	SWICA	FAVORIT CASA	CHF 442.70	View
8	Galenos	Med Direct	CHF 447.40	View
9	Sumiswalder	Hausarzt	CHF 449.70	View
10	Atupri	CareMed	CHF 450.10	View
11	SLKK	SLKK-HomeCare	CHF 452.80	View
12	EGK	EGK-Care	CHF 455.80	View
13	ÖKK	Hausarzt	CHF 456.30	View
14	CONCORDIA	MyDoc	CHF 458.10	View
15	Helsana	BeneFit PLUS Hausarzt R2	CHF 460.90	View
16	Avenir	PrimaCare	CHF 470.50	View
17	Aquilana	CASAMED	CHF 471.70	View
18	Philos	PrimaCare	CHF 486.30	View
19	vita surselva	Sparmed	CHF 486.40	View
20	Visana	Med Direct	CHF 488.10	View
21	rhenusana	Hausarzt-Modell	CHF 499.40	View
22	sana24	Med Direct	CHF 500.80	View
23	Mutuel	PrimaCare	CHF 542.20	View

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