Vivao Sympany FlexHelp 24 — Region 1, Lucerne

Region 1, Lucerne: the FlexHelp 24 model from Vivao Sympany costs CHF 473.50 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 473.50, FlexHelp 24 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, FlexHelp 24 costs CHF 738.00 less per year than Vivao Sympany's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.

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.