Mutuel SanaTel — Region 2, Lucerne
Region 2, Lucerne: the SanaTel model from Mutuel costs CHF 526.90 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 526.90, SanaTel 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, SanaTel costs CHF 903.60 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 526.90 | CHF 490.10 |
| 500 | CHF 515.40 | CHF 479.40 |
| 1'000 | CHF 486.40 | CHF 452.40 |
| 1'500 | CHF 456.90 | CHF 425.00 |
| 2'000 | CHF 427.90 | CHF 398.00 |
| 2'500 | CHF 398.90 | CHF 371.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 390.90 | CHF 363.50 |
| 500 | CHF 379.40 | CHF 352.90 |
| 1'000 | CHF 350.40 | CHF 325.90 |
| 1'500 | CHF 320.90 | CHF 298.40 |
| 2'000 | CHF 291.90 | CHF 271.50 |
| 2'500 | CHF 262.90 | CHF 244.50 |
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.