LAMal 2026
Health insurance premiums Lucerne 2026 — children (age 0-18)
LAMal premiums 2026 in Lucerne — bracket children (age 0-18). Fund ranking and YoY delta vs last year.
Premium year: 2026 · Data retrieved: · Source: UFSP / BAG / FOPH / OFSP — Priminfo Page generated:
Lucerne ranks 11 of 26 cantons · cheaper than 10, more expensive than 15.
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Pre-filtered on this canton and age bracket — see every fund with a personalised quote.
Open the comparatorTop 20 health funds in Lucerne — children (age 0-18)
| Rank | Health fund | Monthly premium |
|---|---|---|
| 1 | Luzerner Hinterland | 104.83 CHF/month |
| 2 | Agrisano | 106.27 CHF/month |
| 3 | ÖKK | 107.50 CHF/month |
| 4 | CSS | 109.10 CHF/month |
| 5 | Sumiswalder | 110.07 CHF/month |
| 6 | Assura | 111.87 CHF/month |
| 7 | Sanitas | 115.80 CHF/month |
| 8 | EGK | 116.23 CHF/month |
| 9 | Aquilana | 116.47 CHF/month |
| 10 | Concordia | 117.13 CHF/month |
| 11 | Helsana | 117.20 CHF/month |
| 12 | SLKK | 120.47 CHF/month |
| 13 | KPT | 121.23 CHF/month |
| 14 | Mutuel | 122.83 CHF/month |
| 15 | SWICA | 123.30 CHF/month |
| 16 | Vita Surselva | 124.92 CHF/month |
| 17 | Philos | 124.93 CHF/month |
| 18 | Einsiedler | 125.47 CHF/month |
| 19 | Avenir | 126.47 CHF/month |
| 20 | Rhenusana | 128.33 CHF/month |
Lucerne against the other cantons (children (age 0-18))
Of 26 comparable cantons, this page ranks 11 on median premium, at 121.23 CHF/month.
Ahead in the ranking, in order: Zug, Appenzell Innerrhoden, Nidwalden, Uri, Obwalden, Appenzell Ausserrhoden, Schwyz, Graubünden, Glarus and St. Gallen.
Further down the ranking: Valais, Thurgau, Schaffhausen, Aargau, Fribourg, Solothurn, Zurich, Bern, Basel-Landschaft, Jura, Neuchâtel, Vaud, Basel-Stadt, Ticino and Geneva.
just ahead is St. Gallen (120.03 CHF/month)
just behind is Valais (122.99 CHF/month)
Across the group the highest value is 178.50 CHF/month (Geneva) and the lowest 97.30 CHF/month (Zug).
| Page | Rank | median premium |
|---|---|---|
| Zug | 1 | 97.30 CHF/month |
| Glarus | 9 | 119.90 CHF/month |
| St. Gallen | 10 | 120.03 CHF/month |
| Lucerne (this page) | 11 | 121.23 CHF/month |
| Valais | 12 | 122.99 CHF/month |
| Thurgau | 13 | 123.30 CHF/month |
| Geneva | 26 | 178.50 CHF/month |
Ranks computed at build time across the sibling pages of this same family. Inside Lucerne the cheapest fund for this bracket is Luzerner Hinterland (104.83), the dearest Sympany (140.93).
Full ranking of all 26 cantons
Change vs 2025
Compared with 2025, the median premium in Lucerne for bracket children (age 0-18) moved by +36.68% (25 funds compared). This change reflects the annual tariff review approved by the Federal Council and published in late September. The tables below compare every fund with data in both years to highlight the largest rises and falls.
Top 20 funds by percentage change vs 2025, from biggest drop to biggest rise
| Rank | Health fund | Δ vs prior year |
|---|---|---|
| 1 | ÖKK | 0.00% |
| 2 | CSS | +2.61% |
| 3 | Atupri | +3.89% |
| 4 | Sanitas | +4.45% |
| 5 | Helsana | +4.48% |
| 6 | KPT | +4.51% |
| 7 | Vita Surselva | +5.61% |
| 8 | Assura | +6.61% |
| 9 | Einsiedler | +7.61% |
| 10 | Sympany | +13.11% |
| 11 | SLKK | +26.19% |
| 12 | EGK | +31.19% |
| 13 | Philos | +36.68% |
| 14 | Mutuel | +44.05% |
| 15 | Avenir | +45.65% |
| 16 | Luzerner Hinterland | +54.09% |
| 17 | Concordia | +106.21% |
| 18 | Aquilana | +107.98% |
| 19 | Rhenusana | +112.01% |
| 20 | Sumiswalder | +112.90% |
Three-year trend 2024 → 2026
LAMal premium trajectory in Lucerne for children (age 0-18) over the last three years: 2024 → 2025 → 2026, with consecutive year-over-year changes of +10.89% and +36.83% for a cumulative +51.73% over the two-year window. Looking at a single annual revision can mask the picture — the two-step compound is the right reading for planning a household budget.
How the LAMal premium works in this bracket
Under Swiss LAMal law, every resident must hold a basic health insurance. The premium varies by canton, premium region and health fund, but it is flat across all adults aged 26 and over — there is no age-based increase inside LAMal itself (unlike supplementary LCA cover). In Lucerne for 2026, the median for bracket children (age 0-18) is 121.23 CHF/month. Cross-border workers living in Italy can elect either the Swiss LAMal or the Italian SSN under the "right of option" — this choice depends on age, health status, residence and family situation and should be evaluated with a licensed adviser. Use the table above to identify the cheapest funds in the age bracket and compare them using our interactive comparator below.
LAMal health insurance premiums 2026 in Lucerne for children (age 0-18): median 121.23 CHF/month, range from 104.83 to 140.93 CHF. Official FOPH/BAG data with the minimum deductible (CHF 300 for adults, CHF 0 for children) and no accident cover. Compare the main health funds and find the most affordable insurer for your situation.
Cantonal premiums and residence: reading this comparison
These figures concern insurance for Swiss residents: Lucerne, children (age 0-18) age bracket, year 2026, median CHF 121.23/month and range CHF 104.83–140.93. They are not premiums for cross-border workers resident in Italy. Compare matching premium region, age, deductible, accident cover and model; a group median is not a personal quote.
Italy-resident LAMal policyholders pay country-of-residence premiums with standard insurance and the ordinary deductible; HMO, Telmed and optional deductibles are unavailable. The right of option depends on citizenship and residence. Eligible workers choosing the SSN must formally request exemption from the competent authority in their canton of employment within three months of starting their contract; SSN registration alone is insufficient. The choice cannot be changed freely: check any new circumstances with the canton.
LAMal-insured people resident in Italy receive form S1 from their insurer and register it with the competent Italian healthcare institution to access care under the rules of their country of residence.
During a temporary stay in Switzerland, people entitled to use the EHIC can receive medically necessary public healthcare, taking account of the treatment and length of stay, on the conditions and at the costs applicable to locally insured people. This is not limited to emergencies and is not necessarily free. The EHIC does not cover travel for planned treatment, private care or repatriation; planned treatment and care in the country of residence follow separate procedures to check beforehand with the ASL and insurer. Eligibility also depends on insurance affiliation and citizenship: do not assume every card can be used in Switzerland.
Frequently asked questions
How much does health insurance cost in Lucerne for children (age 0-18)?
In Lucerne, bracket children (age 0-18) pays 121.23 CHF per month on average for basic LAMal cover (CHF 300 deductible, no accident cover). The range across health funds goes from 104.83 to 140.93 CHF/month. Differences depend on the insurance model (standard, family doctor, telmed, HMO).
Which health fund is cheapest?
The cheapest fund changes every year — in 2026 the lowest monthly premium for this bracket is 104.83 CHF. Check the full table for the live ranking of all funds in the selected canton.
How can I save on my premium?
Three main levers: (1) pick an alternative model — family doctor, HMO or telemedicine typically saves 10-20% vs standard; (2) raise the annual deductible up to CHF 2,500 if you are healthy (savings up to ~50%); (3) compare rates every October for the following year and switch by 30 November if a better offer appears.
Do cross-border workers pay LAMal?
Cross-border workers in Switzerland have the "right of option" — they can choose Swiss LAMal or stay on the Italian SSN (or the German/French/Austrian system). LAMal choosers pay the same premium as a Swiss resident; SSN choosers stay covered in Italy. The option must be exercised within 3 months of starting work.
Does the premium change with age?
Under LAMal the premium is flat for all adults from 26 onwards — it does not rise with age. Children (0-18) and young adults (19-25) pay less by law. Supplementary LCA cover, on the other hand, does rise with age.
Recommended tools
- 🏥 Priminfo (UFSP) →
The official federal comparator: verify every LAMal premium at the FOPH source.
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