CONCORDIA HMO — Region 1, Lucerne
Region 1, Lucerne: the HMO model from CONCORDIA costs CHF 476.00 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 476.00, HMO 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, HMO costs CHF 968.40 less per year than CONCORDIA'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 476.00 | CHF 449.90 |
| 500 | CHF 464.40 | CHF 438.90 |
| 1'000 | CHF 435.20 | CHF 411.30 |
| 1'500 | CHF 406.00 | CHF 383.70 |
| 2'000 | CHF 376.90 | CHF 356.20 |
| 2'500 | CHF 347.70 | CHF 328.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 357.10 | CHF 337.50 |
| 500 | CHF 345.50 | CHF 326.50 |
| 1'000 | CHF 316.30 | CHF 299.00 |
| 1'500 | CHF 287.10 | CHF 271.40 |
| 2'000 | CHF 258.00 | CHF 243.90 |
| 2'500 | CHF 228.80 | CHF 216.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 111.40 | CHF 105.30 |
| 100 | CHF 105.60 | CHF 99.80 |
| 200 | CHF 99.80 | CHF 94.40 |
| 300 | CHF 93.90 | CHF 88.80 |
| 400 | CHF 88.10 | CHF 83.30 |
| 500 | CHF 82.30 | CHF 77.80 |
| 600 | CHF 76.40 | CHF 72.20 |
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 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.