CHF 500 deductible in Region 1 of canton Lucerne
At a CHF 500 deductible, 25 insurers offer a premium in Region 1 of canton Lucerne. The lowest is CHF 440.00 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 500 deductible saves CHF 139.20 a year on the premium.
What it risks
In exchange you must cover CHF 200 more yourself before the insurance steps in. The tipping point is CHF 439.20 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
25 insurers at a CHF 500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Atupri | CHF 440.00 | View |
| 2 | Sanitas | CHF 450.00 | View |
| 3 | Vivao Sympany | CHF 453.80 | View |
| 4 | Helsana | CHF 460.40 | View |
| 5 | Luzerner Hinterland | CHF 460.75 | View |
| 6 | CSS | CHF 462.20 | View |
| 7 | Avenir | CHF 463.90 | View |
| 8 | CONCORDIA | CHF 464.40 | View |
| 9 | Assura-Basis | CHF 467.20 | View |
| 10 | ÖKK | CHF 469.80 | View |
| 11 | sana24 | CHF 472.80 | View |
| 12 | EGK | CHF 480.00 | View |
| 13 | Galenos | CHF 483.70 | View |
| 14 | SWICA | CHF 485.10 | View |
| 15 | Agrisano | CHF 485.60 | View |
| 16 | KPT | CHF 487.10 | View |
| 17 | Aquilana | CHF 490.70 | View |
| 18 | Sumiswalder | CHF 493.70 | View |
| 19 | SLKK | CHF 498.70 | View |
| 20 | Philos | CHF 499.20 | View |
| 21 | Visana | CHF 523.00 | View |
| 22 | vita surselva | CHF 532.55 | View |
| 23 | rhenusana | CHF 537.40 | View |
| 24 | Mutuel | CHF 549.10 | View |
| 25 | Einsiedler | CHF 563.70 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.