CSS Callmed — Region 2, Lucerne
Region 2, Lucerne: the Callmed model from CSS costs CHF 478.70 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 478.70, Callmed 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, Callmed costs CHF 603.60 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 478.70 | CHF 445.20 |
| 500 | CHF 467.10 | CHF 434.40 |
| 1'000 | CHF 437.90 | CHF 407.30 |
| 1'500 | CHF 408.70 | CHF 380.10 |
| 2'000 | CHF 379.60 | CHF 353.10 |
| 2'500 | CHF 362.40 | CHF 337.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 349.10 | CHF 324.70 |
| 500 | CHF 337.50 | CHF 313.90 |
| 1'000 | CHF 308.30 | CHF 286.80 |
| 1'500 | CHF 279.10 | CHF 259.60 |
| 2'000 | CHF 250.00 | CHF 232.50 |
| 2'500 | CHF 220.80 | CHF 205.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 105.30 | CHF 98.00 |
| 100 | CHF 99.50 | CHF 92.60 |
| 200 | CHF 93.70 | CHF 87.20 |
| 300 | CHF 87.80 | CHF 81.70 |
| 400 | CHF 82.00 | CHF 76.30 |
| 600 | CHF 70.30 | CHF 65.40 |
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.