Philos PrimaCare — Region 2, Lucerne
Region 2, Lucerne: the PrimaCare model from Philos costs CHF 504.90 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 504.90, PrimaCare 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, PrimaCare costs CHF 711.60 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 504.90 | CHF 469.60 |
| 500 | CHF 493.40 | CHF 458.90 |
| 1'000 | CHF 464.40 | CHF 431.90 |
| 1'500 | CHF 434.90 | CHF 404.50 |
| 2'000 | CHF 405.90 | CHF 377.50 |
| 2'500 | CHF 376.90 | CHF 350.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 375.20 | CHF 349.00 |
| 500 | CHF 363.70 | CHF 338.30 |
| 1'000 | CHF 334.70 | CHF 311.30 |
| 1'500 | CHF 305.20 | CHF 283.90 |
| 2'000 | CHF 276.20 | CHF 256.90 |
| 2'500 | CHF 247.20 | CHF 229.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.60 | CHF 115.00 |
| 100 | CHF 117.80 | CHF 109.60 |
| 200 | CHF 112.00 | CHF 104.20 |
| 300 | CHF 106.10 | CHF 98.70 |
| 400 | CHF 100.30 | CHF 93.30 |
| 500 | CHF 94.50 | CHF 87.90 |
| 600 | CHF 88.60 | CHF 82.40 |
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.