Health insurance in Horw 2026
25 insurers offer basic cover in Horw (Lucerne). The benefits are identical everywhere — only the price differs.
The lowest premium
CHF 451.60 per month
Atupri — HMO
Adult, CHF 300 deductible, accident cover included.
Gap to the most expensive insurer: CHF 2'268 per year.
25
active insurers
Region 1
Insurers available in Horw
Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.
| # | Insurer | From |
|---|---|---|
| 1 | AtupriCheapest | CHF 451.60 |
| 2 | Sanitas | CHF 461.60 |
| 3 | Vivao Sympany | CHF 465.50 |
| 4 | Helsana | CHF 472.00 |
| 5 | Luzerner Hinterland | CHF 472.40 |
| 6 | CSS | CHF 473.80 |
| 7 | Avenir | CHF 475.40 |
| 8 | CONCORDIA | CHF 476.00 |
| 9 | Assura-Basis | CHF 478.80 |
| 10 | ÖKK | CHF 481.40 |
| 11 | sana24 | CHF 484.50 |
| 12 | EGK | CHF 491.60 |
| 13 | Galenos | CHF 495.30 |
| 14 | Agrisano | CHF 496.20 |
| 15 | SWICA | CHF 496.70 |
| 16 | KPT | CHF 498.70 |
| 17 | Aquilana | CHF 500.60 |
| 18 | Sumiswalder | CHF 504.50 |
| 19 | SLKK | CHF 508.90 |
| 20 | Philos | CHF 510.70 |
| 21 | Visana | CHF 529.70 |
| 22 | vita surselva | CHF 543.40 |
| 23 | rhenusana | CHF 547.90 |
| 24 | Mutuel | CHF 560.60 |
| 25 | Einsiedler | CHF 575.25 |
Where the municipality sits
Horw sits in the most expensive of Lucerne’s 3 premium regions. The table below shows what the others cost.
These amounts apply to all 5 municipalities in the same premium region: a premium is set per zone, never per municipality.
The postcodes of Horw
A postcode can straddle two municipalities in different regions. The municipality determines the premium, not the postcode — hence the list below.
- 6005 Luzern
- 6005 St. Niklausen LU
- 6047 Kastanienbaum
- 6048 Horw
- 6052 Hergiswil NW
How the premium has moved
The zone’s lowest premium, year by year since 2015. The same profile every time: adult, CHF 300 deductible, accident included — otherwise the comparison would mean nothing.
That is +69.6 % over 11 years, or CHF 2'225 more per year.
| Year | Lowest premium | Change |
|---|---|---|
| 2015 | CHF 266.20 | — |
| 2016 | CHF 288.00 | +8.2 % |
| 2017 | CHF 317.90 | +10.4 % |
| 2018 | CHF 350.40 | +10.2 % |
| 2019 | CHF 361.20 | +3.1 % |
| 2020 | CHF 354.40 | −1.9 % |
| 2021 | CHF 361.50 | +2.0 % |
| 2022 | CHF 358.50 | −0.8 % |
| 2023 | CHF 369.25 | +3.0 % |
| 2024 | CHF 410.95 | +11.3 % |
| 2025 | CHF 428.40 | +4.2 % |
| 2026 | CHF 451.60 | +5.4 % |
Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.
The 4 postcodes of this municipality
One postcode can cover several municipalities, and sometimes several premium regions. Each page says so.
Elsewhere in Lucerne
At strictly identical cover, changing premium region changes the price. Here is what the lowest premium costs in the canton’s other regions.
| Region | Lowest premium | Gap over the year | For example |
|---|---|---|---|
| Region 1 (here) | CHF 451.60 | — | Horw |
| Region 3 | CHF 414.30 | CHF 448 less | Aesch (LU), Alberswil, Altbüron |
| Region 2 | CHF 425.70 | CHF 311 less | Adligenswil, Buchrain, Dierikon |
This table is not moving advice: it only says what geography costs, at benefits the law makes identical.
The municipalities of the Luzern-Land district
They do not necessarily belong to the same premium region — check yours.
| Municipality | Region | Lowest premium | Gap versus here |
|---|---|---|---|
| Horw (here) | Region 1 | CHF 451.60 | — |
| Adligenswil | Region 2 | CHF 425.70 | CHF 311 less |
| Buchrain | Region 2 | CHF 425.70 | CHF 311 less |
| Dierikon | Region 2 | CHF 425.70 | CHF 311 less |
| Ebikon | Region 1 | CHF 451.60 | same zone |
| Gisikon | Region 3 | CHF 414.30 | CHF 448 less |
| Greppen | Region 3 | CHF 414.30 | CHF 448 less |
| Kriens | Region 1 | CHF 451.60 | same zone |
| Malters | Region 2 | CHF 425.70 | CHF 311 less |
| Meggen | Region 2 | CHF 425.70 | CHF 311 less |
| Meierskappel | Region 2 | CHF 425.70 | CHF 311 less |
| Root | Region 2 | CHF 425.70 | CHF 311 less |
| Schwarzenberg | Region 3 | CHF 414.30 | CHF 448 less |
| Udligenswil | Region 2 | CHF 425.70 | CHF 311 less |
| Vitznau | Region 3 | CHF 414.30 | CHF 448 less |
| Weggis | Region 3 | CHF 414.30 | CHF 448 less |
Region 1 — Lucerne
The FOPH splits some cantons into several premium regions. Two neighbouring municipalities can therefore pay different prices — which is why we never show a cantonal average in place of your prices.