CHF 1'500 deductible in Region 2 of canton Lucerne
At a CHF 1'500 deductible, 25 insurers offer a premium in Region 2 of canton Lucerne. The lowest is CHF 365.50 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 1'500 deductible saves CHF 722.40 a year on the premium.
What it risks
In exchange you must cover CHF 1'200 more yourself before the insurance steps in. The tipping point is CHF 1'022.40 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 1'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 365.50 | View |
| 2 | Luzerner Hinterland | CHF 370.45 | View |
| 3 | CSS | CHF 371.70 | View |
| 4 | Sanitas | CHF 373.60 | View |
| 5 | Vivao Sympany | CHF 375.50 | View |
| 6 | KPT | CHF 376.90 | View |
| 7 | CONCORDIA | CHF 377.40 | View |
| 8 | EGK | CHF 381.20 | View |
| 9 | sana24 | CHF 384.30 | View |
| 10 | Atupri | CHF 385.70 | View |
| 11 | Avenir | CHF 386.40 | View |
| 12 | Assura-Basis | CHF 386.60 | View |
| 13 | ÖKK | CHF 388.50 | View |
| 14 | Helsana | CHF 388.60 | View |
| 15 | Galenos | CHF 394.50 | View |
| 16 | SLKK | CHF 396.40 | View |
| 17 | Sumiswalder | CHF 400.20 | View |
| 18 | Aquilana | CHF 407.40 | View |
| 19 | SWICA | CHF 412.10 | View |
| 20 | Philos | CHF 415.20 | View |
| 21 | Visana | CHF 415.30 | View |
| 22 | rhenusana | CHF 434.60 | View |
| 23 | vita surselva | CHF 439.70 | View |
| 24 | Einsiedler | CHF 442.80 | View |
| 25 | Mutuel | CHF 456.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.