Avenir PrimaCare — Region 2, Lucerne
Region 2, Lucerne: the PrimaCare model from Avenir costs CHF 480.50 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 480.50, PrimaCare is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaCare costs CHF 676.80 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 480.50 | CHF 446.90 |
| 500 | CHF 469.00 | CHF 436.20 |
| 1'000 | CHF 440.00 | CHF 409.20 |
| 1'500 | CHF 410.50 | CHF 381.80 |
| 2'000 | CHF 381.50 | CHF 354.80 |
| 2'500 | CHF 352.50 | CHF 327.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 351.80 | CHF 327.20 |
| 500 | CHF 340.30 | CHF 316.50 |
| 1'000 | CHF 311.30 | CHF 289.60 |
| 1'500 | CHF 281.80 | CHF 262.10 |
| 2'000 | CHF 252.80 | CHF 235.20 |
| 2'500 | CHF 223.80 | CHF 208.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.90 | CHF 116.20 |
| 100 | CHF 119.10 | CHF 110.80 |
| 200 | CHF 113.30 | CHF 105.40 |
| 300 | CHF 107.40 | CHF 99.90 |
| 400 | CHF 101.60 | CHF 94.50 |
| 500 | CHF 95.80 | CHF 89.10 |
| 600 | CHF 89.90 | CHF 83.60 |
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 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.