Mutuel SanaTel — Region 1, Lucerne
Region 1, Lucerne: the SanaTel model from Mutuel costs CHF 560.60 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 560.60, SanaTel 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, SanaTel costs CHF 960.00 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 560.60 | CHF 521.30 |
| 500 | CHF 549.10 | CHF 510.60 |
| 1'000 | CHF 520.10 | CHF 483.70 |
| 1'500 | CHF 490.60 | CHF 456.20 |
| 2'000 | CHF 461.60 | CHF 429.30 |
| 2'500 | CHF 432.60 | CHF 402.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 415.90 | CHF 386.80 |
| 500 | CHF 404.40 | CHF 376.10 |
| 1'000 | CHF 375.40 | CHF 349.10 |
| 1'500 | CHF 345.90 | CHF 321.70 |
| 2'000 | CHF 316.90 | CHF 294.70 |
| 2'500 | CHF 287.90 | CHF 267.70 |
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.