Hausarztversicherung Profit or Multimed — Region 1, Lucerne
Region 1, Lucerne: with CSS, Hausarztversicherung Profit costs CHF 493.50 a month in 2026 and Multimed CHF 485.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Multimed is the cheaper of the two here: CHF 102.00 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
Hausarztversicherung Profit and Multimed are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- Hausarztversicherung Profit
Family doctor
You pick a family doctor and always go to them first.
- Multimed
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Hausarztversicherung Profit | Multimed | Gap per year |
|---|---|---|---|
| 300 | CHF 493.50 | CHF 485.00 | CHF 102.00 |
| 500 | CHF 481.90 | CHF 473.40 | CHF 102.00 |
| 1'000 | CHF 452.70 | CHF 452.20 | CHF 6.00 |
| 1'500 | CHF 423.50 | CHF 423.00 | CHF 6.00 |
| 2'000 | CHF 394.40 | CHF 393.90 | CHF 6.00 |
| 2'500 | CHF 369.20 | CHF 381.70 | CHF 150.00 |
The comparison, region by region
- Hausarztversicherung Profit or Multimed?
- 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.