Aquilana SMARTMED — Region 3, Lucerne
Region 3, Lucerne: the SMARTMED model from Aquilana costs CHF 451.00 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 451.00, SMARTMED is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SMARTMED costs CHF 807.60 less per year than Aquilana'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 451.00 | CHF 419.50 |
| 500 | CHF 440.90 | CHF 410.10 |
| 1'000 | CHF 415.50 | CHF 386.40 |
| 1'500 | CHF 390.20 | CHF 362.90 |
| 2'000 | CHF 364.80 | CHF 339.30 |
| 2'500 | CHF 331.50 | CHF 308.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 333.80 | CHF 310.50 |
| 500 | CHF 323.70 | CHF 301.10 |
| 1'000 | CHF 298.30 | CHF 277.50 |
| 1'500 | CHF 273.00 | CHF 253.90 |
| 2'000 | CHF 247.60 | CHF 230.30 |
| 2'500 | CHF 222.20 | CHF 206.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 103.80 | CHF 96.60 |
| 100 | CHF 98.80 | CHF 91.90 |
| 200 | CHF 93.70 | CHF 87.20 |
| 300 | CHF 88.70 | CHF 82.50 |
| 400 | CHF 83.60 | CHF 77.70 |
| 500 | CHF 76.70 | CHF 71.40 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.