Region 3 of canton Lucerne — 2026 premiums

Region 3 of canton Lucerne groups 55 municipalities that all pay the same rate. 25 insurers offer premiums here, from CHF 414.30 a month for an adult, 300-franc deductible, accident cover included.

The gap, in francs

Between the cheapest (CHF 414.30) and the dearest (CHF 521.30) in this region there is CHF 1'284.00 a year — for exactly the same cover, defined by law.

The insurers in Region 3, cheapest to dearest

25 active insurers. Each one’s lowest adult premium, 300-franc deductible, accident cover included.

Rank	Insurer	From
1	Agrisano	CHF 414.30	View
2	Luzerner Hinterland	CHF 425.65	View
3	Sanitas	CHF 429.50	View
4	KPT	CHF 430.10	View
5	Vivao Sympany	CHF 431.20	View
6	sana24	CHF 432.00	View
7	CONCORDIA	CHF 435.20	View
8	SWICA	CHF 437.40	View
9	CSS	CHF 438.60	View
10	Atupri	CHF 440.20	View
11	Assura-Basis	CHF 440.20	View
12	SLKK	CHF 442.70	View
13	EGK	CHF 445.80	View
14	ÖKK	CHF 446.20	View
15	Galenos	CHF 446.30	View
16	Avenir	CHF 446.90	View
17	Sumiswalder	CHF 449.70	View
18	Helsana	CHF 450.20	View
19	Aquilana	CHF 451.00	View
20	Philos	CHF 467.30	View
21	rhenusana	CHF 476.10	View
22	Visana	CHF 485.30	View
23	vita surselva	CHF 486.40	View
24	Einsiedler	CHF 512.75	View
25	Mutuel	CHF 521.30	View

The lowest price at each deductible

The deductible changes no benefits, only how the risk is shared. Here is what the region’s cheapest insurer charges at each level.

Deductible	From	Insurer
300	CHF 414.30	Agrisano
500	CHF 404.30	Agrisano
1'000	CHF 379.30	Agrisano
1'500	CHF 354.10	Agrisano
2'000	CHF 326.45	Luzerner Hinterland
2'500	CHF 297.30	Luzerner Hinterland

The lowest price for each model

The model limits who you see first, not the treatment. At a 300-franc deductible, here is the region’s lowest rate for each.

Model	From	Insurer
Other model	CHF 414.30	Agrisano
Family doctor	CHF 429.50	Sanitas
HMO practice	CHF 431.20	Vivao Sympany
Free choice of doctor	CHF 452.80	Luzerner Hinterland

Where this region sits in canton Lucerne

It is the cheapest region in canton Lucerne, out of 3.

Region	Municipalities	From
Region 3	55	CHF 414.30
Region 2	19	CHF 425.70
Region 1	5	CHF 451.60

Compared with last year

The region’s lowest premium goes from CHF 403.40 in 2025 to CHF 414.30 — a rise of 2.7 %.

What it costs, for someone like you

«What does health insurance cost» has no answer. «What does it cost a student in Fribourg» does. Here are 12 situations, priced on official premiums.

Health insurance as a student Health insurance in your first job Health insurance for a family of four Health insurance when self-employed Health insurance in retirement Health insurance when arriving in Switzerland Health insurance for a child Health insurance during an apprenticeship Health insurance when you are out of work Health insurance for two Health insurance as a cross-border worker Health insurance after retirement

The 55 municipalities in this region

They all pay exactly the same rate: under basic insurance the premium belongs to the region, not the municipality. Moving within this region of canton Lucerne changes nothing about your premium.

Aesch (LU) · Alberswil · Altbüron · Altishofen · Ballwil · Beromünster · Buttisholz · Büron · Dagmersellen · Doppleschwand · Egolzwil · Entlebuch · Ermensee · Eschenbach (LU) · Escholzmatt-Marbach · Ettiswil · Fischbach · Flühli · Geuensee · Gisikon · Greppen · Grossdietwil · Grosswangen · Hasle (LU) · Hergiswil bei Willisau · Hildisrieden · Hitzkirch · Hochdorf · Hohenrain · Inwil · Knutwil · Luthern · Mauensee · Menznau · Nebikon · Pfaffnau · Rain · Reiden · Rickenbach (LU) · Roggliswil · Romoos · Römerswil · Schlierbach · Schongau · Schwarzenberg · Schötz · Schüpfheim · Triengen · Ufhusen · Vitznau · Wauwil · Weggis · Wikon · Willisau · Zell (LU)

Source: Federal Office of Public Health (FOPH), official premiums.