CHF 1'500 deductible in Region 1 of canton Lucerne
At a CHF 1'500 deductible, 25 insurers offer a premium in Region 1 of canton Lucerne. The lowest is CHF 381.60 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 1'500 deductible saves CHF 840.00 a year on the premium.
What it risks
In exchange you must cover CHF 1'200 more yourself before the insurance steps in. The tipping point is CHF 1'140.00 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 1'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Atupri | CHF 381.60 | View |
| 2 | Sanitas | CHF 391.60 | View |
| 3 | Vivao Sympany | CHF 395.50 | View |
| 4 | Helsana | CHF 402.00 | View |
| 5 | Luzerner Hinterland | CHF 402.40 | View |
| 6 | CSS | CHF 403.80 | View |
| 7 | Avenir | CHF 405.40 | View |
| 8 | CONCORDIA | CHF 406.00 | View |
| 9 | Assura-Basis | CHF 408.80 | View |
| 10 | ÖKK | CHF 411.40 | View |
| 11 | sana24 | CHF 414.50 | View |
| 12 | EGK | CHF 421.60 | View |
| 13 | Galenos | CHF 425.30 | View |
| 14 | KPT | CHF 428.70 | View |
| 15 | SWICA | CHF 432.50 | View |
| 16 | Agrisano | CHF 432.90 | View |
| 17 | Aquilana | CHF 440.00 | View |
| 18 | Sumiswalder | CHF 440.10 | View |
| 19 | Philos | CHF 440.70 | View |
| 20 | SLKK | CHF 447.30 | View |
| 21 | Visana | CHF 459.70 | View |
| 22 | vita surselva | CHF 478.20 | View |
| 23 | rhenusana | CHF 483.90 | View |
| 24 | Mutuel | CHF 490.60 | View |
| 25 | Einsiedler | CHF 505.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.