Key points at a glance
Living in Malters (canton of Lucerne) and want to stay on top of your health insurance? Here are the essentials: compulsory basic insurance (LAMal) covers exactly the same benefits at every insurer, so in Malters you don't save by taking less protection — you save through the right insurer, deductible and model.
What sets your premium is your FOPH premium region (Malters belongs to region 2 in the canton of Lucerne) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Malters has roughly 7’315 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Malters, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Schwarzenberg (3 km), Werthenstein (7 km), Ruswil (7 km).
Malters at a glance: your local context
Malters, a municipality of roughly 7’315 residents in the canton of Lucerne, has its own profile when it comes to health insurance. Malters lies in premium region 2 of the canton of Lucerne (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 7’315
- Canton: Lucerne
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 6102
- Federal municipality number (BFS): 1062
Applying for premium subsidies around Malters: compare neighbouring municipalities
Living or working near Malters? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Applying for premium subsidies in Schwarzenberg — 2.6 km away
- Applying for premium subsidies in Werthenstein — 6.5 km away
- Applying for premium subsidies in Ruswil — 6.7 km away
- Applying for premium subsidies in Neuenkirch — 7.1 km away
- Applying for premium subsidies in Kriens — 7.4 km away
- Applying for premium subsidies in Wolhusen — 8.7 km away
- Applying for premium subsidies in Rothenburg — 9.2 km away
- Applying for premium subsidies in Lucerne — 9.5 km away
- Applying for premium subsidies in Doppleschwand — 9.9 km away
- Applying for premium subsidies in Emmen — 9.9 km away
Health insurance premiums 2026 in Malters: the real numbers
In Malters, an adult with a 300 CHF deductible pays between 426 and 602 francs a month for basic insurance depending on the insurer — even though the benefits are, by law, exactly the same everywhere. For identical cover, the gap between the cheapest and the most expensive insurer reaches up to 2’118 francs a year. The lowest adult premium there comes with the "alternative model" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 426 – 602 CHF | from 312 CHF |
| Young adults (19–25) | 311 – 442 CHF | from 194 CHF |
| Children (0–18) | 31 – 124 CHF | — |
Our comparison tool does this work for you: the 79 insurers available for Malters are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Malters →
Basic insurance in Malters: choosing insurer, deductible and model
Three decisions drive your premium in Malters. First, the insurer: with legally identical benefits, it is the biggest lever for saving. Second, the deductible (300 to 2’500 CHF a year): if you rarely see a doctor and hold a reserve, the high deductible is usually the better deal; with regular treatment, choose the low one. For comparison: with a 2’500 CHF deductible, the adult premium in Malters starts as low as 312 francs a month. Third, the model: family-doctor, HMO or telemedicine models cut the premium significantly compared with free choice of doctor.
Important for switching: your cancellation of basic insurance must REACH your current insurer by 30 November at the latest (the date of receipt counts, so send it by registered post) for the switch to take effect on 1 January. Also check whether you qualify for premium subsidies in the canton of Lucerne — many households leave this reduction unused.
Checklist for Malters
- Compare every autumn: insurers adjust their rates each year.
- Match the deductible to your own health profile (work out 300 vs. 2’500 CHF).
- Consider an alternative model (family-doctor, HMO, telemedicine) — same basic benefits, lower premium.
- Check your entitlement to premium subsidies in the canton of Lucerne.
Free premium comparison for Malters →
How we work for Malters
Our method has three steps: (1) we start from your real profile (age, deductible, model, accident cover); (2) we rank the insurers in your FOPH premium region for 2026 from cheapest to most expensive; (3) we check your entitlement to premium subsidies in the canton of Lucerne. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Malters this difference is measurable: 426–602 francs a month for adults, i.e. up to 2’118 francs a year across 79 insurers — for identical cover. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Malters (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Malters?
In Malters (postal code 6102), the 2026 adult basic-insurance premium ranges from 426 to 602 francs a month depending on the insurer (deductible 300), from 311 francs for young adults and from 31 francs for children. For identical cover, the difference reaches up to 2’118 francs a year (FOPH premium region 2 of the canton of Lucerne). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Malters have the same premiums?
Not necessarily. Malters and nearby municipalities such as Schwarzenberg (3 km), Werthenstein (7 km) can belong to different FOPH premium regions: for identical cover, the premium can vary from one municipality to the next. Always compare for your exact municipality of residence.
Does this page replace personal advice in Malters?
No. It explains the insurance and tax concepts for residents of Malters (canton of Lucerne). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Applying for premium subsidies" in Malters with no obligation?
Of course. The starting point is your situation in Malters; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
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Important notes
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.