CHF 2'000 deductible in Region 2 of canton Lucerne
At a CHF 2'000 deductible, 24 insurers offer a premium in Region 2 of canton Lucerne. The lowest is CHF 340.40 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 2'000 deductible saves CHF 1'023.60 a year on the premium.
What it risks
In exchange you must cover CHF 1'700 more yourself before the insurance steps in. The tipping point is CHF 1'323.60 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
24 insurers at a CHF 2'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 340.40 | View |
| 2 | Luzerner Hinterland | CHF 341.25 | View |
| 3 | CSS | CHF 342.60 | View |
| 4 | Sanitas | CHF 344.50 | View |
| 5 | Vivao Sympany | CHF 346.40 | View |
| 6 | CONCORDIA | CHF 348.30 | View |
| 7 | EGK | CHF 352.10 | View |
| 8 | Atupri | CHF 356.60 | View |
| 9 | Avenir | CHF 357.40 | View |
| 10 | Assura-Basis | CHF 357.50 | View |
| 11 | ÖKK | CHF 359.40 | View |
| 12 | Helsana | CHF 359.50 | View |
| 13 | sana24 | CHF 364.40 | View |
| 14 | Galenos | CHF 365.30 | View |
| 15 | SLKK | CHF 370.80 | View |
| 16 | Sumiswalder | CHF 373.40 | View |
| 17 | SWICA | CHF 377.40 | View |
| 18 | Aquilana | CHF 382.00 | View |
| 19 | Philos | CHF 386.20 | View |
| 20 | Visana | CHF 386.20 | View |
| 21 | rhenusana | CHF 407.60 | View |
| 22 | vita surselva | CHF 409.35 | View |
| 23 | Einsiedler | CHF 413.70 | View |
| 24 | Mutuel | CHF 427.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.