Mutuel PrimaFlex — Region 1, Lucerne
Region 1, Lucerne: the PrimaFlex model from Mutuel costs CHF 565.40 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 565.40, PrimaFlex 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, PrimaFlex costs CHF 902.40 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 565.40 | CHF 525.80 |
| 500 | CHF 554.40 | CHF 515.60 |
| 1'000 | CHF 526.90 | CHF 490.00 |
| 1'500 | CHF 498.90 | CHF 464.00 |
| 2'000 | CHF 471.30 | CHF 438.30 |
| 2'500 | CHF 443.80 | CHF 412.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 413.50 | CHF 384.60 |
| 500 | CHF 402.00 | CHF 373.90 |
| 1'000 | CHF 373.00 | CHF 346.90 |
| 1'500 | CHF 343.50 | CHF 319.50 |
| 2'000 | CHF 314.50 | CHF 292.50 |
| 2'500 | CHF 285.50 | CHF 265.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.90 | CHF 116.20 |
| 100 | CHF 119.10 | CHF 110.80 |
| 200 | CHF 113.30 | CHF 105.40 |
| 300 | CHF 107.40 | CHF 99.90 |
| 400 | CHF 101.60 | CHF 94.50 |
| 500 | CHF 95.80 | CHF 89.10 |
| 600 | CHF 89.90 | CHF 83.60 |
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.