Philos PrimaCare — Region 3, Lucerne
Region 3, Lucerne: the PrimaCare model from Philos costs CHF 486.30 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 486.30, PrimaCare 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, PrimaCare costs CHF 685.20 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 486.30 | CHF 452.30 |
| 500 | CHF 474.80 | CHF 441.60 |
| 1'000 | CHF 445.80 | CHF 414.60 |
| 1'500 | CHF 416.30 | CHF 387.20 |
| 2'000 | CHF 387.30 | CHF 360.20 |
| 2'500 | CHF 358.30 | CHF 333.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 361.40 | CHF 336.10 |
| 500 | CHF 349.90 | CHF 325.40 |
| 1'000 | CHF 320.90 | CHF 298.40 |
| 1'500 | CHF 291.40 | CHF 271.00 |
| 2'000 | CHF 262.40 | CHF 244.00 |
| 2'500 | CHF 233.40 | CHF 217.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 119.10 | CHF 110.70 |
| 100 | CHF 113.30 | CHF 105.30 |
| 200 | CHF 107.50 | CHF 99.90 |
| 300 | CHF 101.60 | CHF 94.40 |
| 400 | CHF 95.80 | CHF 89.10 |
| 500 | CHF 90.00 | CHF 83.70 |
| 600 | CHF 84.10 | CHF 78.20 |
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.