Mutuel PrimaFlex — Region 3, Lucerne
Region 3, Lucerne: the PrimaFlex model from Mutuel costs CHF 525.80 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 525.80, PrimaFlex 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, PrimaFlex costs CHF 840.00 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 525.80 | CHF 489.00 |
| 500 | CHF 514.80 | CHF 478.80 |
| 1'000 | CHF 487.30 | CHF 453.20 |
| 1'500 | CHF 459.30 | CHF 427.20 |
| 2'000 | CHF 431.70 | CHF 401.50 |
| 2'500 | CHF 404.20 | CHF 375.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 384.60 | CHF 357.70 |
| 500 | CHF 373.10 | CHF 347.00 |
| 1'000 | CHF 344.10 | CHF 320.00 |
| 1'500 | CHF 314.60 | CHF 292.60 |
| 2'000 | CHF 285.60 | CHF 265.60 |
| 2'500 | CHF 256.60 | CHF 238.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 116.20 | CHF 108.10 |
| 100 | CHF 110.40 | CHF 102.70 |
| 200 | CHF 104.60 | CHF 97.30 |
| 300 | CHF 98.70 | CHF 91.80 |
| 400 | CHF 92.90 | CHF 86.40 |
| 500 | CHF 87.10 | CHF 81.00 |
| 600 | CHF 81.20 | CHF 75.50 |
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 2
- 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.