CSS Callmed — Region 1, Lucerne
Region 1, Lucerne: the Callmed model from CSS costs CHF 518.90 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 518.90, Callmed 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, Callmed costs CHF 541.20 less per year than CSS'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 518.90 | CHF 482.60 |
| 500 | CHF 507.30 | CHF 471.80 |
| 1'000 | CHF 478.10 | CHF 444.60 |
| 1'500 | CHF 448.90 | CHF 417.50 |
| 2'000 | CHF 419.80 | CHF 390.40 |
| 2'500 | CHF 394.60 | CHF 367.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 377.90 | CHF 351.40 |
| 500 | CHF 366.30 | CHF 340.60 |
| 1'000 | CHF 337.10 | CHF 313.50 |
| 1'500 | CHF 307.90 | CHF 286.30 |
| 2'000 | CHF 278.80 | CHF 259.30 |
| 2'500 | CHF 249.60 | CHF 232.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 114.20 | CHF 106.20 |
| 100 | CHF 108.40 | CHF 100.80 |
| 200 | CHF 102.60 | CHF 95.40 |
| 300 | CHF 96.70 | CHF 89.90 |
| 400 | CHF 90.90 | CHF 84.50 |
| 600 | CHF 79.20 | CHF 73.60 |
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 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.