CSS Multimed — Region 3, Lucerne
Region 3, Lucerne: the Multimed model from CSS costs CHF 443.60 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 443.60, Multimed 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, Multimed costs CHF 760.80 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 443.60 | CHF 412.60 |
| 500 | CHF 432.00 | CHF 401.80 |
| 1'000 | CHF 410.80 | CHF 382.10 |
| 1'500 | CHF 381.60 | CHF 354.90 |
| 2'000 | CHF 352.50 | CHF 327.80 |
| 2'500 | CHF 340.30 | CHF 316.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 332.70 | CHF 309.40 |
| 500 | CHF 321.10 | CHF 298.60 |
| 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 106.50 | CHF 99.00 |
| 100 | CHF 100.70 | CHF 93.60 |
| 200 | CHF 94.90 | CHF 88.20 |
| 300 | CHF 89.00 | CHF 82.70 |
| 400 | CHF 83.20 | CHF 77.30 |
| 600 | CHF 71.50 | CHF 66.50 |
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.