CHF 500 deductible in Region 2 of canton Lucerne
At a CHF 500 deductible, 25 insurers offer a premium in Region 2 of canton Lucerne. The lowest is CHF 415.60 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 500 deductible saves CHF 121.20 a year on the premium.
What it risks
In exchange you must cover CHF 200 more yourself before the insurance steps in. The tipping point is CHF 421.20 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 500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 415.60 | View |
| 2 | Luzerner Hinterland | CHF 428.75 | View |
| 3 | CSS | CHF 430.10 | View |
| 4 | Sanitas | CHF 432.00 | View |
| 5 | sana24 | CHF 433.40 | View |
| 6 | Vivao Sympany | CHF 433.90 | View |
| 7 | KPT | CHF 435.30 | View |
| 8 | CONCORDIA | CHF 435.80 | View |
| 9 | EGK | CHF 439.60 | View |
| 10 | Atupri | CHF 444.10 | View |
| 11 | Avenir | CHF 444.90 | View |
| 12 | Assura-Basis | CHF 445.00 | View |
| 13 | ÖKK | CHF 446.90 | View |
| 14 | Helsana | CHF 447.00 | View |
| 15 | SLKK | CHF 447.80 | View |
| 16 | Galenos | CHF 452.80 | View |
| 17 | Sumiswalder | CHF 453.80 | View |
| 18 | Aquilana | CHF 458.10 | View |
| 19 | SWICA | CHF 464.90 | View |
| 20 | Philos | CHF 473.70 | View |
| 21 | Visana | CHF 478.70 | View |
| 22 | rhenusana | CHF 488.10 | View |
| 23 | vita surselva | CHF 495.30 | View |
| 24 | Einsiedler | CHF 501.20 | View |
| 25 | Mutuel | CHF 515.40 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.