Key points at a glance
This page is written for residents of Schongau, in the canton of Lucerne, who want to understand, compare and optimise their health insurance. Basic health insurance (KVG/LAMal) is compulsory, and by law its benefits are identical at every insurer: in Schongau, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
What sets your premium is your FOPH premium region (Schongau 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. Schongau has roughly 1’044 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Schongau, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Aesch (2 km), Bettwil (3 km), Fahrwangen (3 km).
Schongau at a glance: your local context
Schongau, a municipality of roughly 1’044 residents in the canton of Lucerne, has its own profile when it comes to health insurance. For health insurance premiums, Schongau belongs to FOPH premium region 2 of the canton of Lucerne. Two neighbouring municipalities can sit in different premium regions — and therefore pay noticeably different premiums for identical benefits. Always compare for your exact municipality of residence, not a cantonal average.
- Population: roughly 1’044
- Canton: Lucerne
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 6288
- Federal municipality number (BFS): 1041
Health insurance and supplementary cover around Schongau: compare neighbouring municipalities
Around Schongau, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Health insurance and supplementary cover in Aesch — 1.9 km away
- Health insurance and supplementary cover in Bettwil — 2.8 km away
- Health insurance and supplementary cover in Fahrwangen — 3.4 km away
- Health insurance and supplementary cover in Meisterschwanden — 3.8 km away
- Health insurance and supplementary cover in Buttwil — 4.0 km away
- Health insurance and supplementary cover in Beinwil am See — 4.2 km away
- Health insurance and supplementary cover in Ermensee — 4.2 km away
- Health insurance and supplementary cover in Hitzkirch — 4.7 km away
- Health insurance and supplementary cover in Sarmenstorf — 5.0 km away
- Health insurance and supplementary cover in Geltwil — 5.3 km away
Health insurance premiums 2026 in Schongau: the real numbers
Concretely for Schongau: the 2026 adult premium (deductible 300 CHF) is between 426 and 602 francs a month depending on the provider. Because the scope of basic insurance is identical by law, the choice of insurer alone decides up to 2’118 francs of difference 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 | — |
That is exactly what our comparison does: it ranks the 79 insurers active in Schongau from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Schongau →
Basic insurance in Schongau: choosing insurer, deductible and model
You steer your premium in Schongau with three levers. The insurer first — it costs nothing in benefits and brings the most. Then the deductible between 300 and 2’500 CHF: high deductible for healthy people with a financial cushion, low deductible for ongoing treatment or planned procedures. For comparison: with a 2’500 CHF deductible, the adult premium in Schongau starts as low as 312 francs a month. Finally the insurance model: family-doctor, HMO or telemedicine are noticeably cheaper than 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 Schongau
- 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 Schongau →
How we work for Schongau
Three steps, one goal: first we capture your specific profile (age, deductible, model, accident); then we sort the insurers in your premium region (FOPH 2026) by rate; finally we check the premium subsidy of the canton of Lucerne. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Schongau 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. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Schongau (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Schongau?
In Schongau (postal code 6288), 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 Schongau have the same premiums?
Not necessarily. Schongau and nearby municipalities such as Aesch (2 km), Bettwil (3 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 Schongau?
No. It explains the insurance and tax concepts for residents of Schongau (canton of Lucerne). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Health insurance and supplementary cover" in Schongau with no obligation?
Of course. The starting point is your situation in Schongau; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
This local guide for Schongau is for orientation. It replaces neither a personal quote nor the assessment of a regulated professional. The amounts, premiums and deductions mentioned change with your situation, your insurer and the given year.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.