Gesundheitspraxisversicherung or Hausarztversicherung Profit — Region 1, Lucerne
Region 1, Lucerne: with CSS, Gesundheitspraxisversicherung costs CHF 473.80 a month in 2026 and Hausarztversicherung Profit CHF 493.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Gesundheitspraxisversicherung is the cheaper of the two here: CHF 236.40 saved per year against Hausarztversicherung Profit, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Gesundheitspraxisversicherung and Hausarztversicherung Profit are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- Gesundheitspraxisversicherung
Family doctor
You pick a family doctor and always go to them first.
- Hausarztversicherung Profit
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Gesundheitspraxisversicherung | Hausarztversicherung Profit | Gap per year |
|---|---|---|---|
| 300 | CHF 473.80 | CHF 493.50 | CHF 236.40 |
| 500 | CHF 462.20 | CHF 481.90 | CHF 236.40 |
| 1'000 | CHF 433.00 | CHF 452.70 | CHF 236.40 |
| 1'500 | CHF 403.80 | CHF 423.50 | CHF 236.40 |
| 2'000 | CHF 374.70 | CHF 394.40 | CHF 236.40 |
| 2'500 | CHF 345.50 | CHF 369.20 | CHF 284.40 |
The comparison, region by region
- Gesundheitspraxisversicherung or Hausarztversicherung Profit?
- 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
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.