Avenir PrimaCare — Region 3, Lucerne
Region 3, Lucerne: the PrimaCare model from Avenir costs CHF 470.50 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 470.50, PrimaCare 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, PrimaCare costs CHF 662.40 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 470.50 | CHF 437.60 |
| 500 | CHF 459.00 | CHF 426.90 |
| 1'000 | CHF 430.00 | CHF 399.90 |
| 1'500 | CHF 400.50 | CHF 372.50 |
| 2'000 | CHF 371.50 | CHF 345.50 |
| 2'500 | CHF 342.50 | CHF 318.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 344.50 | CHF 320.40 |
| 500 | CHF 333.00 | CHF 309.70 |
| 1'000 | CHF 304.00 | CHF 282.70 |
| 1'500 | CHF 274.50 | CHF 255.30 |
| 2'000 | CHF 245.50 | CHF 228.30 |
| 2'500 | CHF 216.50 | CHF 201.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 122.30 | CHF 113.70 |
| 100 | CHF 116.50 | CHF 108.40 |
| 200 | CHF 110.70 | CHF 103.00 |
| 300 | CHF 104.80 | CHF 97.50 |
| 400 | CHF 99.00 | CHF 92.10 |
| 500 | CHF 93.20 | CHF 86.70 |
| 600 | CHF 87.30 | CHF 81.20 |
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.