Agrisano AGRIsmart — Region 3, Lucerne
Region 3, Lucerne: the AGRIsmart model from Agrisano costs CHF 414.30 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 414.30, AGRIsmart is the lowest premium in this region, across every insurer and every model.
On average, AGRIsmart costs CHF 810.00 less per year than Agrisano's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 414.30 | CHF 393.60 |
| 500 | CHF 404.30 | CHF 384.10 |
| 1'000 | CHF 379.30 | CHF 360.30 |
| 1'500 | CHF 354.10 | CHF 336.40 |
| 2'000 | CHF 329.00 | CHF 312.60 |
| 2'500 | CHF 304.00 | CHF 288.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 302.50 | CHF 287.40 |
| 500 | CHF 292.40 | CHF 277.80 |
| 1'000 | CHF 267.40 | CHF 254.00 |
| 1'500 | CHF 242.30 | CHF 230.20 |
| 2'000 | CHF 217.10 | CHF 206.20 |
| 2'500 | CHF 192.10 | CHF 182.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 91.20 | CHF 86.60 |
| 200 | CHF 81.10 | CHF 77.00 |
| 300 | CHF 76.10 | CHF 72.30 |
| 400 | CHF 71.10 | CHF 67.50 |
| 500 | CHF 66.00 | CHF 62.70 |
| 600 | CHF 61.10 | CHF 58.00 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 2
- Glarus
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 2
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Valais — Region 2
- Zug
- Zurich — Region 2
- Zurich — Region 3
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.