CHF 2'500 deductible in Region 1 of canton Lucerne
At a CHF 2'500 deductible, 25 insurers offer a premium in Region 1 of canton Lucerne. The lowest is CHF 323.30 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 2'500 deductible saves CHF 1'539.60 a year on the premium.
What it risks
In exchange you must cover CHF 2'200 more yourself before the insurance steps in. The tipping point is CHF 1'839.60 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 2'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Atupri | CHF 323.30 | View |
| 2 | Sanitas | CHF 333.30 | View |
| 3 | Vivao Sympany | CHF 337.20 | View |
| 4 | Helsana | CHF 343.70 | View |
| 5 | Luzerner Hinterland | CHF 344.05 | View |
| 6 | CSS | CHF 345.50 | View |
| 7 | Avenir | CHF 347.40 | View |
| 8 | CONCORDIA | CHF 347.70 | View |
| 9 | Assura-Basis | CHF 350.50 | View |
| 10 | ÖKK | CHF 353.10 | View |
| 11 | sana24 | CHF 356.20 | View |
| 12 | EGK | CHF 363.30 | View |
| 13 | Galenos | CHF 367.00 | View |
| 14 | SWICA | CHF 368.40 | View |
| 15 | KPT | CHF 370.40 | View |
| 16 | Agrisano | CHF 380.10 | View |
| 17 | Aquilana | CHF 380.20 | View |
| 18 | Philos | CHF 382.70 | View |
| 19 | Sumiswalder | CHF 386.50 | View |
| 20 | SLKK | CHF 396.00 | View |
| 21 | Visana | CHF 401.30 | View |
| 22 | vita surselva | CHF 415.15 | View |
| 23 | rhenusana | CHF 430.00 | View |
| 24 | Mutuel | CHF 432.60 | View |
| 25 | Einsiedler | CHF 447.00 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.