CHF 1'000 deductible in Region 1 of canton Lucerne
At a CHF 1'000 deductible, 25 insurers offer a premium in Region 1 of canton Lucerne. The lowest is CHF 410.80 a month for an adult, accident cover included.
What this deductible earns
Against the minimum 300-franc deductible, whose lowest premium is CHF 451.60, the CHF 1'000 deductible saves CHF 489.60 a year on the premium.
What it risks
In exchange you must cover CHF 700 more yourself before the insurance steps in. The tipping point is CHF 789.60 of medical costs in the year: below that this deductible wins, above it costs more than the minimum.
The calculation excludes the 10 % co-payment, capped at 700 francs a year, which applies in both cases.
The ranking, cheapest to dearest
25 insurers at a CHF 1'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Atupri | CHF 410.80 | View |
| 2 | Sanitas | CHF 420.80 | View |
| 3 | Vivao Sympany | CHF 424.70 | View |
| 4 | Helsana | CHF 431.20 | View |
| 5 | Luzerner Hinterland | CHF 431.55 | View |
| 6 | CSS | CHF 433.00 | View |
| 7 | Avenir | CHF 434.90 | View |
| 8 | CONCORDIA | CHF 435.20 | View |
| 9 | Assura-Basis | CHF 438.00 | View |
| 10 | ÖKK | CHF 440.60 | View |
| 11 | sana24 | CHF 443.70 | View |
| 12 | EGK | CHF 450.80 | View |
| 13 | Galenos | CHF 454.50 | View |
| 14 | KPT | CHF 457.90 | View |
| 15 | Agrisano | CHF 459.30 | View |
| 16 | SWICA | CHF 461.70 | View |
| 17 | Aquilana | CHF 465.30 | View |
| 18 | Sumiswalder | CHF 466.90 | View |
| 19 | Philos | CHF 470.20 | View |
| 20 | SLKK | CHF 473.00 | View |
| 21 | Visana | CHF 488.80 | View |
| 22 | vita surselva | CHF 505.35 | View |
| 23 | rhenusana | CHF 510.40 | View |
| 24 | Mutuel | CHF 520.10 | View |
| 25 | Einsiedler | CHF 534.50 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.