Mutuel OptiMed — Region 2, Lucerne
Region 2, Lucerne: the OptiMed model from Mutuel costs CHF 530.00 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 530.00, OptiMed 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, OptiMed costs CHF 866.40 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 530.00 | CHF 492.90 |
| 500 | CHF 518.50 | CHF 482.20 |
| 1'000 | CHF 489.50 | CHF 455.20 |
| 1'500 | CHF 460.00 | CHF 427.80 |
| 2'000 | CHF 431.00 | CHF 400.80 |
| 2'500 | CHF 402.00 | CHF 373.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 386.50 | CHF 359.50 |
| 500 | CHF 375.00 | CHF 348.80 |
| 1'000 | CHF 346.00 | CHF 321.80 |
| 1'500 | CHF 316.50 | CHF 294.40 |
| 2'000 | CHF 287.50 | CHF 267.40 |
| 2'500 | CHF 258.50 | CHF 240.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 116.80 | CHF 108.60 |
| 100 | CHF 111.00 | CHF 103.20 |
| 200 | CHF 105.20 | CHF 97.80 |
| 300 | CHF 99.30 | CHF 92.40 |
| 400 | CHF 93.50 | CHF 87.00 |
| 500 | CHF 87.70 | CHF 81.60 |
| 600 | CHF 81.80 | CHF 76.10 |
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 1
- 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.