Assura-Basis Qualimed — Region 3, Lucerne
Region 3, Lucerne: the Qualimed model from Assura-Basis costs CHF 442.70 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 442.70, Qualimed 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, Qualimed costs CHF 656.40 less per year than Assura-Basis'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 442.70 | CHF 411.80 |
| 500 | CHF 431.10 | CHF 401.00 |
| 1'000 | CHF 401.90 | CHF 373.80 |
| 1'500 | CHF 372.70 | CHF 346.70 |
| 2'000 | CHF 343.60 | CHF 319.60 |
| 2'500 | CHF 314.40 | CHF 292.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 345.50 | CHF 321.40 |
| 500 | CHF 333.90 | CHF 310.60 |
| 1'000 | CHF 304.70 | CHF 283.40 |
| 1'500 | CHF 275.50 | CHF 256.30 |
| 2'000 | CHF 246.40 | CHF 229.20 |
| 2'500 | CHF 217.20 | CHF 202.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 102.00 | CHF 94.90 |
| 100 | CHF 96.20 | CHF 89.50 |
| 200 | CHF 90.40 | CHF 84.10 |
| 300 | CHF 84.50 | CHF 78.60 |
| 400 | CHF 78.70 | CHF 73.20 |
| 500 | CHF 72.90 | CHF 67.80 |
| 600 | CHF 67.00 | CHF 62.40 |
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.