Mutuel OptiMed — Region 3, Lucerne
Region 3, Lucerne: the OptiMed model from Mutuel costs CHF 524.30 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 524.30, OptiMed 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, OptiMed costs CHF 858.00 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 524.30 | CHF 487.60 |
| 500 | CHF 512.80 | CHF 476.90 |
| 1'000 | CHF 483.80 | CHF 450.00 |
| 1'500 | CHF 454.30 | CHF 422.50 |
| 2'000 | CHF 425.30 | CHF 395.50 |
| 2'500 | CHF 396.30 | CHF 368.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 382.40 | CHF 355.60 |
| 500 | CHF 370.90 | CHF 344.90 |
| 1'000 | CHF 341.90 | CHF 318.00 |
| 1'500 | CHF 312.40 | CHF 290.50 |
| 2'000 | CHF 283.40 | CHF 263.60 |
| 2'500 | CHF 254.40 | CHF 236.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 115.60 | CHF 107.50 |
| 100 | CHF 109.80 | CHF 102.10 |
| 200 | CHF 104.00 | CHF 96.70 |
| 300 | CHF 98.10 | CHF 91.20 |
| 400 | CHF 92.30 | CHF 85.80 |
| 500 | CHF 86.50 | CHF 80.40 |
| 600 | CHF 80.60 | CHF 74.90 |
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
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- 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.