Health insurance, Canton of Lucerne

No. The comparison shows possible options. A switch only happens if you actively decide to do so.

We review your details and contact you with a personal comparison or the next steps.

The calculator focuses on basic insurance. On request, we review supplementary insurance separately, as benefits, premiums and acceptance conditions are individual.

No health information is needed for a pure basic insurance comparison. For supplementary insurance, health questions may become relevant.

The possible savings depend on your place of residence, age, current insurer, deductible, insurance model and accident coverage. In a personal comparison you'll see whether and by how much a lower premium is possible.

The ordinary cancellation of basic insurance must reach your current insurer by 30 November at the latest. The switch then takes effect on 1 January of the following year.

The benefits of mandatory basic insurance are regulated by law and identical at every insurer. It pays to look at price, model and service quality.

You need your current policy and your AHV (social security) number. With your approval, we handle the cancellation of the old insurer and the registration with the new one.

After your request, an experienced advisor contacts you by phone or email. You receive a personal comparison and decide freely whether you want to switch.

We treat your details confidentially in line with our privacy policy and the Swiss FADP. Data is transmitted encrypted and never sold to third parties.

Pharmacy model: your regular pharmacy is your first point of contact, discount approx. 10 to 15%. Digital/app model: first contact via app or symptom checker, discount up to 20%, ideal for digitally minded members. List model: you choose your doctor from the insurer's list, a larger choice than the family doctor model, discount approx. 8 to 12%. Combo model: Telmedicine plus family doctor or pharmacy, maximum flexibility with an attractive discount. The basic benefits are legally identical in all models.

Healthy and tech-savvy → Telmedicine or digital. A fixed family doctor → family doctor or list model. Regular pharmacy visits → pharmacy model. Want maximum flexibility → combo model. Important: stick to the required first point of contact, otherwise the insurer can reclaim part of the costs.