CSS Gesundheitspraxisversicherung — Region 3, Lucerne
Region 3, Lucerne: the Gesundheitspraxisversicherung model from CSS costs CHF 441.10 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 441.10, Gesundheitspraxisversicherung 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, Gesundheitspraxisversicherung costs CHF 790.80 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 441.10 | CHF 410.20 |
| 500 | CHF 429.50 | CHF 399.40 |
| 1'000 | CHF 400.30 | CHF 372.30 |
| 1'500 | CHF 371.10 | CHF 345.10 |
| 2'000 | CHF 342.00 | CHF 318.10 |
| 2'500 | CHF 316.80 | CHF 294.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 330.80 | CHF 307.70 |
| 500 | CHF 319.20 | CHF 296.90 |
| 1'000 | CHF 290.00 | CHF 269.70 |
| 1'500 | CHF 260.80 | CHF 242.60 |
| 2'000 | CHF 231.70 | CHF 215.50 |
| 2'500 | CHF 205.50 | CHF 191.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 105.90 | CHF 98.50 |
| 100 | CHF 100.10 | CHF 93.10 |
| 200 | CHF 94.30 | CHF 87.70 |
| 300 | CHF 88.40 | CHF 82.20 |
| 400 | CHF 82.60 | CHF 76.80 |
| 600 | CHF 70.90 | CHF 65.90 |
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 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.