Avenir PrimaCare — Region 1, Lucerne
Region 1, Lucerne: the PrimaCare model from Avenir costs CHF 500.50 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 500.50, PrimaCare is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaCare costs CHF 704.40 less per year than Avenir'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 500.50 | CHF 465.50 |
| 500 | CHF 489.00 | CHF 454.80 |
| 1'000 | CHF 460.00 | CHF 427.80 |
| 1'500 | CHF 430.50 | CHF 400.40 |
| 2'000 | CHF 401.50 | CHF 373.40 |
| 2'500 | CHF 372.50 | CHF 346.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 366.50 | CHF 340.90 |
| 500 | CHF 355.00 | CHF 330.20 |
| 1'000 | CHF 326.00 | CHF 303.20 |
| 1'500 | CHF 296.50 | CHF 275.80 |
| 2'000 | CHF 267.50 | CHF 248.80 |
| 2'500 | CHF 238.50 | CHF 221.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 130.10 | CHF 121.00 |
| 100 | CHF 124.30 | CHF 115.60 |
| 200 | CHF 118.50 | CHF 110.20 |
| 300 | CHF 112.60 | CHF 104.70 |
| 400 | CHF 106.80 | CHF 99.30 |
| 500 | CHF 101.00 | CHF 93.90 |
| 600 | CHF 95.10 | CHF 88.50 |
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 2
- Lucerne — Region 3
- 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.