Mutuel OptiMed — Region 1, Lucerne
Region 1, Lucerne: the OptiMed model from Mutuel costs CHF 563.80 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 563.80, OptiMed 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, OptiMed costs CHF 921.60 less per year than Mutuel'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 563.80 | CHF 524.30 |
| 500 | CHF 552.30 | CHF 513.60 |
| 1'000 | CHF 523.30 | CHF 486.70 |
| 1'500 | CHF 493.80 | CHF 459.20 |
| 2'000 | CHF 464.80 | CHF 432.20 |
| 2'500 | CHF 435.80 | CHF 405.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 411.20 | CHF 382.40 |
| 500 | CHF 399.70 | CHF 371.70 |
| 1'000 | CHF 370.70 | CHF 344.70 |
| 1'500 | CHF 341.20 | CHF 317.30 |
| 2'000 | CHF 312.20 | CHF 290.30 |
| 2'500 | CHF 283.20 | CHF 263.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.20 | CHF 115.60 |
| 100 | CHF 118.40 | CHF 110.20 |
| 200 | CHF 112.60 | CHF 104.80 |
| 300 | CHF 106.70 | CHF 99.30 |
| 400 | CHF 100.90 | CHF 93.90 |
| 500 | CHF 95.10 | CHF 88.50 |
| 600 | CHF 89.20 | CHF 83.00 |
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
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Vaud — Region 1
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.