CHF 1'000 deductible in Region 2 of canton Lucerne
At a CHF 1'000 deductible, 25 insurers offer a premium in Region 2 of canton Lucerne. The lowest is CHF 390.60 a month for an adult, accident cover included.
What this deductible earns
Against the minimum 300-franc deductible, whose lowest premium is CHF 425.70, the CHF 1'000 deductible saves CHF 421.20 a year on the premium.
What it risks
In exchange you must cover CHF 700 more yourself before the insurance steps in. The tipping point is CHF 721.20 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 1'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 390.60 | View |
| 2 | Luzerner Hinterland | CHF 399.60 | View |
| 3 | CSS | CHF 400.90 | View |
| 4 | Sanitas | CHF 402.80 | View |
| 5 | Vivao Sympany | CHF 404.70 | View |
| 6 | KPT | CHF 406.10 | View |
| 7 | CONCORDIA | CHF 406.60 | View |
| 8 | EGK | CHF 410.40 | View |
| 9 | sana24 | CHF 413.50 | View |
| 10 | Atupri | CHF 414.90 | View |
| 11 | Assura-Basis | CHF 415.80 | View |
| 12 | Avenir | CHF 415.90 | View |
| 13 | ÖKK | CHF 417.70 | View |
| 14 | Helsana | CHF 417.80 | View |
| 15 | SLKK | CHF 422.10 | View |
| 16 | Galenos | CHF 423.60 | View |
| 17 | Sumiswalder | CHF 427.00 | View |
| 18 | Aquilana | CHF 432.70 | View |
| 19 | SWICA | CHF 441.30 | View |
| 20 | Visana | CHF 444.50 | View |
| 21 | Philos | CHF 444.70 | View |
| 22 | rhenusana | CHF 461.10 | View |
| 23 | vita surselva | CHF 464.95 | View |
| 24 | Einsiedler | CHF 472.00 | View |
| 25 | Mutuel | CHF 486.40 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.