Galenos Combi Care — Region 1, Lucerne
Region 1, Lucerne: the Combi Care model from Galenos costs CHF 495.30 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 495.30, Combi Care is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Combi Care costs CHF 1'156.80 less per year than Galenos'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 495.30 | CHF 462.90 |
| 500 | CHF 483.70 | CHF 452.00 |
| 1'000 | CHF 454.50 | CHF 424.80 |
| 1'500 | CHF 425.30 | CHF 397.50 |
| 2'000 | CHF 396.20 | CHF 370.30 |
| 2'500 | CHF 367.00 | CHF 343.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 408.30 | CHF 381.60 |
| 500 | CHF 396.60 | CHF 370.70 |
| 1'000 | CHF 367.50 | CHF 343.50 |
| 1'500 | CHF 338.30 | CHF 316.20 |
| 2'000 | CHF 309.10 | CHF 288.90 |
| 2'500 | CHF 280.00 | CHF 261.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 143.00 | CHF 133.60 |
| 100 | CHF 137.10 | CHF 128.20 |
| 200 | CHF 131.30 | CHF 122.70 |
| 300 | CHF 125.50 | CHF 117.30 |
| 400 | CHF 119.60 | CHF 111.80 |
| 500 | CHF 113.80 | CHF 106.40 |
| 600 | CHF 108.00 | CHF 100.90 |
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 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
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.