Mutuel PrimaCare — Region 1, Lucerne
Region 1, Lucerne: the PrimaCare model from Mutuel costs CHF 583.00 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 583.00, PrimaCare 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, PrimaCare costs CHF 691.20 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 583.00 | CHF 542.20 |
| 500 | CHF 571.50 | CHF 531.50 |
| 1'000 | CHF 542.50 | CHF 504.50 |
| 1'500 | CHF 513.00 | CHF 477.10 |
| 2'000 | CHF 484.00 | CHF 450.10 |
| 2'500 | CHF 455.00 | CHF 423.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 425.20 | CHF 395.40 |
| 500 | CHF 413.70 | CHF 384.70 |
| 1'000 | CHF 384.70 | CHF 357.80 |
| 1'500 | CHF 355.20 | CHF 330.30 |
| 2'000 | CHF 326.20 | CHF 303.40 |
| 2'500 | CHF 297.20 | CHF 276.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.60 | CHF 116.80 |
| 100 | CHF 119.80 | CHF 111.40 |
| 200 | CHF 114.00 | CHF 106.10 |
| 300 | CHF 108.10 | CHF 100.60 |
| 400 | CHF 102.30 | CHF 95.20 |
| 500 | CHF 96.50 | CHF 89.80 |
| 600 | CHF 90.60 | CHF 84.30 |
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 2
- 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.