Free choice of doctor with a CHF 300 deductible in Region 1 of canton Lucerne
25 insurers offer a Free choice of doctor with a CHF 300 deductible in Region 1. The lowest premium is CHF 502.55 a month for an adult, accident cover included.
Where the saving comes from
The two parts do not add up exactly: insurers do not price the two choices independently. The total above is the real figure; the breakdown gives the order of magnitude of each lever.
What the deductible risks
This is the minimum deductible: no extra risk compared with the reference.
The insurers, cheapest to dearest
25 insurers offer this combination in this region, with the trade name of their plan.
| Rank | Insurer | Plan name | Premium | |
|---|---|---|---|---|
| 1 | Luzerner Hinterland | Grundversicherung | CHF 502.55 | View |
| 2 | Atupri | Grundversicherung | CHF 525.10 | View |
| 3 | Sanitas | Grundversicherung | CHF 530.60 | View |
| 4 | Vivao Sympany | Grundversicherung | CHF 535.00 | View |
| 5 | ÖKK | Grundversicherung | CHF 547.00 | View |
| 6 | Sumiswalder | Grundversicherung | CHF 548.30 | View |
| 7 | Agrisano | Grundversicherung | CHF 548.30 | View |
| 8 | Assura-Basis | Grundversicherung | CHF 553.50 | View |
| 9 | CONCORDIA | Grundversicherung | CHF 556.70 | View |
| 10 | Avenir | Grundversicherung | CHF 559.20 | View |
| 11 | EGK | Grundversicherung | CHF 560.80 | View |
| 12 | Helsana | Grundversicherung | CHF 562.00 | View |
| 13 | sana24 | Grundversicherung | CHF 563.30 | View |
| 14 | CSS | Grundversicherung | CHF 564.00 | View |
| 15 | vita surselva | Grundversicherung | CHF 572.00 | View |
| 16 | Einsiedler | Grundversicherung | CHF 575.25 | View |
| 17 | Aquilana | Grundversicherung | CHF 575.40 | View |
| 18 | SLKK | Grundversicherung | CHF 578.30 | View |
| 19 | SWICA | Grundversicherung | CHF 580.90 | View |
| 20 | Galenos | Grundversicherung | CHF 591.70 | View |
| 21 | Philos | Grundversicherung | CHF 593.80 | View |
| 22 | rhenusana | Grundversicherung | CHF 595.50 | View |
| 23 | KPT | Grundversicherung | CHF 597.20 | View |
| 24 | Visana | Grundversicherung | CHF 618.00 | View |
| 25 | Mutuel | Grundversicherung | CHF 640.60 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.