Sumiswalder Hausarzt — Region 3, Lucerne
Region 3, Lucerne: the Hausarzt model from Sumiswalder costs CHF 449.70 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 449.70, Hausarzt 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, Hausarzt costs CHF 469.20 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 449.70 | CHF 418.20 |
| 500 | CHF 438.10 | CHF 407.50 |
| 1'000 | CHF 408.90 | CHF 380.30 |
| 1'500 | CHF 379.70 | CHF 353.20 |
| 2'000 | CHF 350.60 | CHF 326.10 |
| 2'500 | CHF 321.50 | CHF 299.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 332.80 | CHF 309.50 |
| 500 | CHF 321.20 | CHF 298.80 |
| 1'000 | CHF 292.00 | CHF 271.60 |
| 1'500 | CHF 262.90 | CHF 244.50 |
| 2'000 | CHF 237.80 | CHF 221.20 |
| 2'500 | CHF 212.90 | CHF 198.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 103.50 | CHF 96.30 |
| 100 | CHF 97.70 | CHF 90.90 |
| 200 | CHF 91.90 | CHF 85.50 |
| 300 | CHF 86.00 | CHF 80.00 |
| 400 | CHF 80.20 | CHF 74.60 |
| 500 | CHF 74.40 | CHF 69.20 |
| 600 | CHF 68.60 | CHF 63.80 |
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 2
- 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.