Key points at a glance
Living in Lucens (canton of Vaud) 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 Lucens you don't save by taking less protection — you save through the right insurer, deductible and model.
Your premium depends on your FOPH/OFSP premium region (region 1 of the canton of Vaud), never on your health: for basic insurance, every insurer must accept you. Lucens has roughly 4’200 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Lucens, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Curtilles (1 km), Villars-le-Comte (3 km), Dompierre (3 km).
Lucens at a glance: your local context
Lucens, a municipality of roughly 4’200 residents in the canton of Vaud, has its own profile when it comes to health insurance. Lucens lies in premium region 1 of the canton of Vaud (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 4’200
- Canton: Vaud
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 1522
- Federal municipality number (BFS): 5675
Applying for premium subsidies around Lucens: compare neighbouring municipalities
Around Lucens, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Applying for premium subsidies in Curtilles — 1.4 km away
- Applying for premium subsidies in Villars-le-Comte — 3.0 km away
- Applying for premium subsidies in Dompierre — 3.3 km away
- Applying for premium subsidies in Bussy-sur-Moudon — 3.3 km away
- Applying for premium subsidies in Lovatens — 3.6 km away
- Applying for premium subsidies in Prévonloup — 3.7 km away
- Applying for premium subsidies in Prévondavaux — 3.9 km away
- Applying for premium subsidies in Surpierre — 4.3 km away
- Applying for premium subsidies in Moudon — 5.4 km away
- Applying for premium subsidies in Billens-Hennens — 5.6 km away
Health insurance premiums 2026 in Lucens: the real numbers
Concretely for Lucens: the 2026 adult premium (deductible 300 CHF) is between 570 and 764 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 2’326 francs of difference a year. The lowest adult premium there comes with the "HMO / network" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 570 – 764 CHF | from 442 CHF |
| Young adults (19–25) | 413 – 648 CHF | from 284 CHF |
| Children (0–18) | 44 – 179 CHF | — |
Our comparison tool does this work for you: the 67 insurers available for Lucens are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Lucens: choosing insurer, deductible and model
You steer your premium in Lucens 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 Lucens starts as low as 442 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 Vaud — many households leave this reduction unused.
Checklist for Lucens
- 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 Vaud.
Free premium comparison for Lucens →
How we work for Lucens
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 Vaud. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Lucens this difference is measurable: 570–764 francs a month for adults, i.e. up to 2’326 francs a year across 67 insurers — for identical cover. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Lucens (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Lucens?
In Lucens (postal code 1522), the 2026 adult basic-insurance premium ranges from 570 to 764 francs a month depending on the insurer (deductible 300), from 413 francs for young adults and from 44 francs for children. For identical cover, the difference reaches up to 2’326 francs a year (FOPH premium region 1 of the canton of Vaud). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Lucens have the same premiums?
Not necessarily. Lucens and nearby municipalities such as Curtilles (1 km), Villars-le-Comte (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 Lucens?
No. It explains the insurance and tax concepts for residents of Lucens (canton of Vaud). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Applying for premium subsidies" in Lucens with no obligation?
Of course. The starting point is your situation in Lucens; 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?
Your details are transmitted through our secure infrastructure — solely with your explicit consent. The purposes, recipients and retention periods are described in the privacy policy.
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.