Sumiswalder Hausarzt — Region 2, Lucerne
Region 2, Lucerne: the Hausarzt model from Sumiswalder costs CHF 464.60 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 464.60, Hausarzt 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, Hausarzt costs CHF 484.80 less per year than Sumiswalder'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 464.60 | CHF 432.10 |
| 500 | CHF 453.80 | CHF 422.10 |
| 1'000 | CHF 427.00 | CHF 397.20 |
| 1'500 | CHF 400.20 | CHF 372.20 |
| 2'000 | CHF 373.40 | CHF 347.30 |
| 2'500 | CHF 346.60 | CHF 322.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 343.90 | CHF 319.80 |
| 500 | CHF 333.10 | CHF 309.80 |
| 1'000 | CHF 306.30 | CHF 284.90 |
| 1'500 | CHF 279.50 | CHF 260.00 |
| 2'000 | CHF 252.70 | CHF 235.10 |
| 2'500 | CHF 225.90 | CHF 210.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 107.00 | CHF 99.60 |
| 100 | CHF 101.60 | CHF 94.50 |
| 200 | CHF 96.30 | CHF 89.60 |
| 300 | CHF 90.80 | CHF 84.50 |
| 400 | CHF 85.50 | CHF 79.60 |
| 500 | CHF 80.20 | CHF 74.60 |
| 600 | CHF 74.70 | CHF 69.50 |
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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- 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
- Valais — Region 1
- Valais — Region 2
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.