CHF 2'000 deductible in Region 1 of canton Lucerne
At a CHF 2'000 deductible, 24 insurers offer a premium in Region 1 of canton Lucerne. The lowest is CHF 352.50 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 2'000 deductible saves CHF 1'189.20 a year on the premium.
What it risks
In exchange you must cover CHF 1'700 more yourself before the insurance steps in. The tipping point is CHF 1'489.20 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
24 insurers at a CHF 2'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Atupri | CHF 352.50 | View |
| 2 | Sanitas | CHF 362.50 | View |
| 3 | Vivao Sympany | CHF 366.30 | View |
| 4 | Helsana | CHF 372.90 | View |
| 5 | Luzerner Hinterland | CHF 373.25 | View |
| 6 | CSS | CHF 374.70 | View |
| 7 | Avenir | CHF 376.40 | View |
| 8 | CONCORDIA | CHF 376.90 | View |
| 9 | Assura-Basis | CHF 379.70 | View |
| 10 | ÖKK | CHF 382.30 | View |
| 11 | sana24 | CHF 385.30 | View |
| 12 | EGK | CHF 392.50 | View |
| 13 | Galenos | CHF 396.20 | View |
| 14 | SWICA | CHF 397.60 | View |
| 15 | Agrisano | CHF 406.40 | View |
| 16 | Philos | CHF 411.70 | View |
| 17 | Sumiswalder | CHF 413.30 | View |
| 18 | Aquilana | CHF 414.60 | View |
| 19 | SLKK | CHF 421.70 | View |
| 20 | Visana | CHF 430.50 | View |
| 21 | vita surselva | CHF 445.60 | View |
| 22 | rhenusana | CHF 456.90 | View |
| 23 | Mutuel | CHF 461.60 | View |
| 24 | Einsiedler | CHF 476.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.