CSS Callmed — Region 3, Lucerne
Region 3, Lucerne: the Callmed model from CSS costs CHF 458.80 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 458.80, Callmed 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, Callmed costs CHF 578.40 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 458.80 | CHF 426.70 |
| 500 | CHF 447.20 | CHF 415.90 |
| 1'000 | CHF 418.00 | CHF 388.80 |
| 1'500 | CHF 388.80 | CHF 361.60 |
| 2'000 | CHF 359.70 | CHF 334.60 |
| 2'500 | CHF 342.50 | CHF 318.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 334.60 | CHF 311.20 |
| 500 | CHF 323.00 | CHF 300.40 |
| 1'000 | CHF 293.80 | CHF 273.30 |
| 1'500 | CHF 264.60 | CHF 246.10 |
| 2'000 | CHF 235.50 | CHF 219.00 |
| 2'500 | CHF 206.30 | CHF 191.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 100.90 | CHF 93.90 |
| 100 | CHF 95.10 | CHF 88.50 |
| 200 | CHF 89.30 | CHF 83.10 |
| 300 | CHF 83.40 | CHF 77.60 |
| 400 | CHF 77.60 | CHF 72.20 |
| 600 | CHF 65.90 | CHF 61.30 |
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.