Mutuel PrimaFlex — Region 2, Lucerne
Region 2, Lucerne: the PrimaFlex model from Mutuel costs CHF 531.50 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 531.50, PrimaFlex 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, PrimaFlex costs CHF 848.40 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 531.50 | CHF 494.30 |
| 500 | CHF 520.50 | CHF 484.00 |
| 1'000 | CHF 493.00 | CHF 458.50 |
| 1'500 | CHF 465.00 | CHF 432.40 |
| 2'000 | CHF 437.40 | CHF 406.70 |
| 2'500 | CHF 409.90 | CHF 381.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 388.70 | CHF 361.50 |
| 500 | CHF 377.20 | CHF 350.80 |
| 1'000 | CHF 348.20 | CHF 323.80 |
| 1'500 | CHF 318.70 | CHF 296.40 |
| 2'000 | CHF 289.70 | CHF 269.40 |
| 2'500 | CHF 260.70 | CHF 242.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 117.40 | CHF 109.20 |
| 100 | CHF 111.60 | CHF 103.80 |
| 200 | CHF 105.80 | CHF 98.40 |
| 300 | CHF 99.90 | CHF 93.00 |
| 400 | CHF 94.10 | CHF 87.60 |
| 500 | CHF 88.30 | CHF 82.20 |
| 600 | CHF 82.40 | CHF 76.70 |
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.