Philos PrimaCare — Region 1, Lucerne
Region 1, Lucerne: the PrimaCare model from Philos 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, PrimaCare 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, PrimaCare costs CHF 747.60 less per year than Philos'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 520.00 | CHF 483.60 |
| 1'000 | CHF 491.00 | CHF 456.60 |
| 1'500 | CHF 461.50 | CHF 429.20 |
| 2'000 | CHF 432.50 | CHF 402.20 |
| 2'500 | CHF 403.50 | CHF 375.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 395.00 | CHF 367.30 |
| 500 | CHF 383.50 | CHF 356.60 |
| 1'000 | CHF 354.50 | CHF 329.70 |
| 1'500 | CHF 325.00 | CHF 302.20 |
| 2'000 | CHF 296.00 | CHF 275.30 |
| 2'500 | CHF 267.00 | CHF 248.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 130.10 | CHF 121.00 |
| 100 | CHF 124.30 | CHF 115.60 |
| 200 | CHF 118.50 | CHF 110.20 |
| 300 | CHF 112.60 | CHF 104.70 |
| 400 | CHF 106.80 | CHF 99.30 |
| 500 | CHF 101.00 | CHF 93.90 |
| 600 | CHF 95.10 | CHF 88.50 |
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 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.