rhenusana sanmed24 — Region 1, Lucerne
Region 1, Lucerne: the sanmed24 model from rhenusana costs CHF 547.90 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 547.90, sanmed24 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, sanmed24 costs CHF 571.20 less per year than rhenusana'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 547.90 | CHF 509.50 |
| 500 | CHF 537.40 | CHF 499.80 |
| 1'000 | CHF 510.40 | CHF 474.70 |
| 1'500 | CHF 483.90 | CHF 450.10 |
| 2'000 | CHF 456.90 | CHF 425.00 |
| 2'500 | CHF 430.00 | CHF 399.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 416.40 | CHF 387.30 |
| 500 | CHF 407.40 | CHF 378.90 |
| 1'000 | CHF 384.90 | CHF 358.00 |
| 1'500 | CHF 362.40 | CHF 337.10 |
| 2'000 | CHF 339.40 | CHF 315.70 |
| 2'500 | CHF 316.90 | CHF 294.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 137.00 | CHF 127.50 |
| 300 | CHF 119.50 | CHF 111.20 |
| 600 | CHF 102.00 | CHF 94.90 |
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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.