CSS Gesundheitspraxisversicherung — Region 2, Lucerne
Region 2, Lucerne: the Gesundheitspraxisversicherung model from CSS costs CHF 441.70 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 441.70, Gesundheitspraxisversicherung 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, Gesundheitspraxisversicherung costs CHF 1'047.60 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 441.70 | CHF 410.80 |
| 500 | CHF 430.10 | CHF 400.00 |
| 1'000 | CHF 400.90 | CHF 372.90 |
| 1'500 | CHF 371.70 | CHF 345.70 |
| 2'000 | CHF 342.60 | CHF 318.60 |
| 2'500 | CHF 313.40 | CHF 291.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 322.50 | CHF 299.90 |
| 500 | CHF 310.90 | CHF 289.10 |
| 1'000 | CHF 281.70 | CHF 261.90 |
| 1'500 | CHF 252.50 | CHF 234.80 |
| 2'000 | CHF 223.40 | CHF 207.70 |
| 2'500 | CHF 194.20 | CHF 180.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 101.60 | CHF 94.50 |
| 100 | CHF 95.80 | CHF 89.10 |
| 200 | CHF 90.00 | CHF 83.70 |
| 300 | CHF 84.10 | CHF 78.20 |
| 400 | CHF 78.30 | CHF 72.80 |
| 600 | CHF 66.60 | CHF 61.90 |
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.