Helsana Premed-24 — Region 2, Lucerne
Region 2, Lucerne: the Premed-24 model from Helsana costs CHF 502.30 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 502.30, Premed-24 is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Premed-24 costs CHF 524.40 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.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 502.30 | CHF 467.20 |
| 500 | CHF 490.70 | CHF 456.40 |
| 1'000 | CHF 461.50 | CHF 429.20 |
| 1'500 | CHF 432.30 | CHF 402.10 |
| 2'000 | CHF 403.20 | CHF 375.00 |
| 2'500 | CHF 374.00 | CHF 347.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 401.80 | CHF 373.70 |
| 500 | CHF 390.20 | CHF 362.90 |
| 1'000 | CHF 361.00 | CHF 335.80 |
| 1'500 | CHF 331.80 | CHF 308.60 |
| 2'000 | CHF 302.70 | CHF 281.60 |
| 2'500 | CHF 273.50 | CHF 254.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 115.40 | CHF 107.40 |
| 500 | CHF 86.30 | CHF 80.30 |
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 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.