sana24 VIVA – plan de santé — Region 3, Lucerne

Name: sana24 VIVA – plan de santé — Region 3, Lucerne
Brand: sana24
Price: 432 CHF

Region 3, Lucerne: the VIVA – plan de santé model from sana24 costs CHF 432.00 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 432.00, VIVA – plan de santé 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, VIVA – plan de santé costs CHF 1'122.00 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 26 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 432.00	CHF 403.80
500	CHF 420.40	CHF 392.90
1'000	CHF 398.00	CHF 372.00
1'500	CHF 368.90	CHF 344.80
2'000	CHF 346.50	CHF 323.90
2'500	CHF 317.40	CHF 296.60

Young adult (19–25)

Deductible	With accident	Without accident
300	CHF 346.60	CHF 324.00
500	CHF 335.00	CHF 313.10
1'000	CHF 313.50	CHF 293.00
1'500	CHF 284.30	CHF 265.70
2'000	CHF 262.80	CHF 245.60
2'500	CHF 233.60	CHF 218.40

Child (0–18)

Deductible	With accident	Without accident
0	CHF 111.30	CHF 104.00
100	CHF 105.40	CHF 98.60
200	CHF 102.00	CHF 95.40
300	CHF 96.20	CHF 89.90
400	CHF 92.80	CHF 86.80
500	CHF 87.00	CHF 81.30
600	CHF 81.20	CHF 75.90

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.