sana24 VIVA – plan de santé — Region 2, Lucerne

Name: sana24 VIVA – plan de santé — Region 2, Lucerne
Brand: sana24
Price: 445.1 CHF

Region 2, Lucerne: the VIVA – plan de santé model from sana24 costs CHF 445.10 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 445.10, VIVA – plan de santé 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, VIVA – plan de santé costs CHF 1'186.80 less per year than sana24's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.

Careful: this model does not cover the whole region

VIVA – plan de santé is offered in only 8 municipalities of this premium region. Moving a few kilometres can push you out — and nobody will warn you.

The full grid

Adult (26 and over)

Deductible	With accident	Without accident
300	CHF 445.10	CHF 416.00
500	CHF 433.40	CHF 405.10
1'000	CHF 413.50	CHF 386.40
1'500	CHF 384.30	CHF 359.20
2'000	CHF 364.40	CHF 340.60
2'500	CHF 335.20	CHF 313.30

Young adult (19–25)

Deductible	With accident	Without accident
300	CHF 361.50	CHF 337.80
500	CHF 349.80	CHF 326.90
1'000	CHF 328.10	CHF 306.70
1'500	CHF 299.00	CHF 279.40
2'000	CHF 277.30	CHF 259.20
2'500	CHF 248.10	CHF 231.90

Child (0–18)

Deductible	With accident	Without accident
0	CHF 116.00	CHF 108.40
100	CHF 110.20	CHF 103.00
200	CHF 106.70	CHF 99.80
300	CHF 100.90	CHF 94.30
400	CHF 97.50	CHF 91.10
500	CHF 91.70	CHF 85.70
600	CHF 85.80	CHF 80.20

The price, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer sana24 VIVA – plan de santé

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.