Helsana BeneFit PLUS Médecin de famille R1 — Region 3, Lucerne

Region 3, Lucerne: the BeneFit PLUS Médecin de famille R1 model from Helsana costs CHF 460.90 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 460.90, BeneFit PLUS Médecin de famille R1 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, BeneFit PLUS Médecin de famille R1 costs CHF 901.20 less per year than Helsana's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.

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.