Region 1 of canton Lucerne — 2026 premiums

Region 1 of canton Lucerne groups 5 municipalities that all pay the same rate. 25 insurers offer premiums here, from CHF 451.60 a month for an adult, 300-franc deductible, accident cover included.

The gap, in francs

Between the cheapest (CHF 451.60) and the dearest (CHF 575.25) in this region there is CHF 1'483.80 a year — for exactly the same cover, defined by law.

The insurers in Region 1, cheapest to dearest

25 active insurers. Each one’s lowest adult premium, 300-franc deductible, accident cover included.

Rank	Insurer	From
1	Atupri	CHF 451.60	View
2	Sanitas	CHF 461.60	View
3	Vivao Sympany	CHF 465.50	View
4	Helsana	CHF 472.00	View
5	Luzerner Hinterland	CHF 472.40	View
6	CSS	CHF 473.80	View
7	Avenir	CHF 475.40	View
8	CONCORDIA	CHF 476.00	View
9	Assura-Basis	CHF 478.80	View
10	ÖKK	CHF 481.40	View
11	sana24	CHF 484.50	View
12	EGK	CHF 491.60	View
13	Galenos	CHF 495.30	View
14	Agrisano	CHF 496.20	View
15	SWICA	CHF 496.70	View
16	KPT	CHF 498.70	View
17	Aquilana	CHF 500.60	View
18	Sumiswalder	CHF 504.50	View
19	SLKK	CHF 508.90	View
20	Philos	CHF 510.70	View
21	Visana	CHF 529.70	View
22	vita surselva	CHF 543.40	View
23	rhenusana	CHF 547.90	View
24	Mutuel	CHF 560.60	View
25	Einsiedler	CHF 575.25	View

The lowest price at each deductible

The deductible changes no benefits, only how the risk is shared. Here is what the region’s cheapest insurer charges at each level.

Deductible	From	Insurer
300	CHF 451.60	Atupri
500	CHF 440.00	Atupri
1'000	CHF 410.80	Atupri
1'500	CHF 381.60	Atupri
2'000	CHF 352.50	Atupri
2'500	CHF 323.30	Atupri

The lowest price for each model

The model limits who you see first, not the treatment. At a 300-franc deductible, here is the region’s lowest rate for each.

Model	From	Insurer
HMO practice	CHF 451.60	Atupri
Family doctor	CHF 461.60	Sanitas
Other model	CHF 461.70	Sanitas
Free choice of doctor	CHF 502.55	Luzerner Hinterland

Where this region sits in canton Lucerne

It is the 3th cheapest region in canton Lucerne, out of 3.

Region	Municipalities	From
Region 3	55	CHF 414.30
Region 2	19	CHF 425.70
Region 1	5	CHF 451.60

Compared with last year

The region’s lowest premium goes from CHF 428.40 in 2025 to CHF 451.60 — a rise of 5.4 %.

What it costs, for someone like you

«What does health insurance cost» has no answer. «What does it cost a student in Fribourg» does. Here are 12 situations, priced on official premiums.

Health insurance as a student Health insurance in your first job Health insurance for a family of four Health insurance when self-employed Health insurance in retirement Health insurance when arriving in Switzerland Health insurance for a child Health insurance during an apprenticeship Health insurance when you are out of work Health insurance for two Health insurance as a cross-border worker Health insurance after retirement

The 5 municipalities in this region

They all pay exactly the same rate: under basic insurance the premium belongs to the region, not the municipality. Moving within this region of canton Lucerne changes nothing about your premium.

Ebikon · Emmen · Horw · Kriens · Luzern

Source: Federal Office of Public Health (FOPH), official premiums.