Health insurance premiums Canton Lucerne and premium reductions (cross-border guide)

Context

In a nutshell

The legislation on compulsory health insurance in the Canton of Lucerne provides for different premium brackets, which vary depending on the region and income. Deductibles, in turn, range from CHF 300 to CHF 2,500. In addition, there are alternative models that can help reduce premiums.

Key facts

• Premium tiers : Vary by region and income.
• Deductibles: CHF 300, CHF 500, CHF 1'000, CHF 1'500, CHF 2'000 and CHF 2'500.
• Alternative models: can help reduce premiums.
• Requirements for premium reduction: Specific requirements must be met.

The new law on compulsory health insurance in the Canton of Lucerne has been approved by the State Council and the Grand Council. This law introduces important innovations for policyholders.

The Reward Ranges

The legislation on compulsory health insurance in the Canton of Lucerne provides for different premium brackets, which vary depending on the region and income. For example, the inhabitants of the city of Lucerne could be classified in a lower premium bracket than those residing in other parts of the Canton.

Deductibles

Deductibles range from CHF 300 to CHF 2,500. This means that policyholders will have to pay a fixed amount before they can access healthcare services. For example, if the deductible is CHF 1,000, policyholders will have to pay CHF1,000 before they can

Operational details

Canton of Lucerne health insurance premiums and premium reductions

The law on compulsory health insurance in the Canton of Lucerne has been approved and will apply from 1 January 2026. The aim of this law is to reduce sick pay premiums in the Canton of Lucerne by making health insurance services more accessible to citizens.

To achieve this, alternative models have been introduced that can help reduce premiums. However, in order to benefit from these alternative models, specific requirements must be met. These requirements vary by region and income.

For example, to benefit from the “Lucerne Plus” alternative model, you need to have an income of at least CHF 80,000 per year and reside in the Canton of Lucerne. In addition, you must have health insurance with a minimum premium of CHF 1,500 per year.

Sick pay premiums could be reduced thanks to alternative models. For example, the “Lucerne Basic” alternative model offers a 10% reduction on sick pay premiums, while the “Lucerne Premium” alternative model offers a 20% reduction.

Here are some examples of how sick pay premiums could be reduced with alternative models:

• A citizen of the Canton of Lucerne with an income of CHF 100,000 per year and a health insurance with a premium of CHF2,000 per year could benefit from the alternative model

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Key points

Canton of Lucerne health insurance premiums and premium reductions

If you are interested in reducing your sick pay premiums in the Canton of Lucerne, you may need to meet specific requirements. These requirements vary by region and income. For example, if you are a resident of Lucerne, you may need to have a total income of at least CHF 4,000 per year to qualify for a premium reduction. In addition, you may need to consider alternative models to reduce your premiums.

The new law on compulsory health insurance in the Canton of Lucerne will apply from 1 January 2026. This law provides for sickness insurance premiums to be reduced for workers who have a total income of at least CHF 4,000 per year and are resident in the Canton of Lucerne. However, it is necessary to consider other factors besides salary, such as the presence of dependent children or disability.

To calculate your salaries and determine if you qualify for a premium reduction, you could use a salary calculator. This tool could help you determine if you can reduce your premiums. However, you need to consider other factors besides salary.

Here are some concrete examples with real numbers:

• A worker with a total income of CHF 4,500 per annum and an age of 35 could benefit from a 10% premium reduction if he/she is resident in Lucerne.
• A worker with a total income of