CHF 2'500 deductible in Region 2 of canton Lucerne
At a CHF 2'500 deductible, 25 insurers offer a premium in Region 2 of canton Lucerne. The lowest is CHF 312.10 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 2'500 deductible saves CHF 1'363.20 a year on the premium.
What it risks
In exchange you must cover CHF 2'200 more yourself before the insurance steps in. The tipping point is CHF 1'663.20 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 2'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Luzerner Hinterland | CHF 312.10 | View |
| 2 | CSS | CHF 313.40 | View |
| 3 | Sanitas | CHF 315.30 | View |
| 4 | Agrisano | CHF 315.40 | View |
| 5 | Vivao Sympany | CHF 317.20 | View |
| 6 | KPT | CHF 318.60 | View |
| 7 | CONCORDIA | CHF 319.10 | View |
| 8 | EGK | CHF 322.90 | View |
| 9 | Atupri | CHF 327.40 | View |
| 10 | Assura-Basis | CHF 328.30 | View |
| 11 | Avenir | CHF 328.40 | View |
| 12 | ÖKK | CHF 330.20 | View |
| 13 | Helsana | CHF 330.30 | View |
| 14 | sana24 | CHF 335.20 | View |
| 15 | Galenos | CHF 336.10 | View |
| 16 | SLKK | CHF 345.10 | View |
| 17 | Sumiswalder | CHF 346.60 | View |
| 18 | SWICA | CHF 348.20 | View |
| 19 | Aquilana | CHF 348.40 | View |
| 20 | Visana | CHF 357.00 | View |
| 21 | Philos | CHF 357.20 | View |
| 22 | rhenusana | CHF 380.60 | View |
| 23 | vita surselva | CHF 384.10 | View |
| 24 | Einsiedler | CHF 384.50 | View |
| 25 | Mutuel | CHF 398.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.