Mutuel PrimaCare — Region 2, Lucerne
Region 2, Lucerne: the PrimaCare model from Mutuel costs CHF 548.00 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 548.00, PrimaCare 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, PrimaCare costs CHF 650.40 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 548.00 | CHF 509.70 |
| 500 | CHF 536.50 | CHF 499.00 |
| 1'000 | CHF 507.50 | CHF 472.00 |
| 1'500 | CHF 478.00 | CHF 444.60 |
| 2'000 | CHF 449.00 | CHF 417.60 |
| 2'500 | CHF 420.00 | CHF 390.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 399.70 | CHF 371.70 |
| 500 | CHF 388.20 | CHF 361.00 |
| 1'000 | CHF 359.20 | CHF 334.10 |
| 1'500 | CHF 329.70 | CHF 306.60 |
| 2'000 | CHF 300.70 | CHF 279.60 |
| 2'500 | CHF 271.70 | CHF 252.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 118.10 | CHF 109.80 |
| 100 | CHF 112.30 | CHF 104.40 |
| 200 | CHF 106.50 | CHF 99.00 |
| 300 | CHF 100.60 | CHF 93.60 |
| 400 | CHF 94.80 | CHF 88.20 |
| 500 | CHF 89.00 | CHF 82.80 |
| 600 | CHF 83.10 | CHF 77.30 |
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.