Region 2 of canton Lucerne — 2026 premiums

Region 2 of canton Lucerne groups 19 municipalities that all pay the same rate. 25 insurers offer premiums here, from CHF 425.70 a month for an adult, 300-franc deductible, accident cover included.

The gap, in francs

Between the cheapest (CHF 425.70) and the dearest (CHF 526.90) in this region there is CHF 1'214.40 a year — for exactly the same cover, defined by law.

The insurers in Region 2, cheapest to dearest

25 active insurers. Each one’s lowest adult premium, 300-franc deductible, accident cover included.

Rank	Insurer	From
1	Agrisano	CHF 425.70	View
2	Luzerner Hinterland	CHF 440.45	View
3	CSS	CHF 441.70	View
4	Sanitas	CHF 443.60	View
5	sana24	CHF 445.10	View
6	Vivao Sympany	CHF 445.50	View
7	KPT	CHF 446.90	View
8	CONCORDIA	CHF 447.40	View
9	EGK	CHF 451.20	View
10	Atupri	CHF 455.70	View
11	Avenir	CHF 456.40	View
12	Assura-Basis	CHF 456.60	View
13	SLKK	CHF 458.00	View
14	ÖKK	CHF 458.50	View
15	Helsana	CHF 458.60	View
16	Galenos	CHF 464.50	View
17	Sumiswalder	CHF 464.60	View
18	Aquilana	CHF 468.20	View
19	SWICA	CHF 476.60	View
20	Philos	CHF 485.20	View
21	Visana	CHF 485.30	View
22	rhenusana	CHF 498.60	View
23	vita surselva	CHF 505.40	View
24	Einsiedler	CHF 512.75	View
25	Mutuel	CHF 526.90	View

The lowest price at each deductible

The deductible changes no benefits, only how the risk is shared. Here is what the region’s cheapest insurer charges at each level.

Deductible	From	Insurer
300	CHF 425.70	Agrisano
500	CHF 415.60	Agrisano
1'000	CHF 390.60	Agrisano
1'500	CHF 365.50	Agrisano
2'000	CHF 340.40	Agrisano
2'500	CHF 312.10	Luzerner Hinterland

The lowest price for each model

The model limits who you see first, not the treatment. At a 300-franc deductible, here is the region’s lowest rate for each.

Model	From	Insurer
Other model	CHF 425.70	Agrisano
Family doctor	CHF 441.70	CSS
HMO practice	CHF 445.10	sana24
Free choice of doctor	CHF 468.55	Luzerner Hinterland

Where this region sits in canton Lucerne

It is the 2th cheapest region in canton Lucerne, out of 3.

Region	Municipalities	From
Region 3	55	CHF 414.30
Region 2	19	CHF 425.70
Region 1	5	CHF 451.60

Compared with last year

The region’s lowest premium goes from CHF 410.50 in 2025 to CHF 425.70 — a rise of 3.7 %.

What it costs, for someone like you

«What does health insurance cost» has no answer. «What does it cost a student in Fribourg» does. Here are 12 situations, priced on official premiums.

Health insurance as a student Health insurance in your first job Health insurance for a family of four Health insurance when self-employed Health insurance in retirement Health insurance when arriving in Switzerland Health insurance for a child Health insurance during an apprenticeship Health insurance when you are out of work Health insurance for two Health insurance as a cross-border worker Health insurance after retirement

The 19 municipalities in this region

They all pay exactly the same rate: under basic insurance the premium belongs to the region, not the municipality. Moving within this region of canton Lucerne changes nothing about your premium.

Adligenswil · Buchrain · Dierikon · Eich · Malters · Meggen · Meierskappel · Neuenkirch · Nottwil · Oberkirch · Root · Rothenburg · Ruswil · Schenkon · Sempach · Sursee · Udligenswil · Werthenstein · Wolhusen

Source: Federal Office of Public Health (FOPH), official premiums.