CHF 1'000 deductible in Region 3 of canton Lucerne
At a CHF 1'000 deductible, 25 insurers offer a premium in Region 3 of canton Lucerne. The lowest is CHF 379.30 a month for an adult, accident cover included.
What this deductible earns
Against the minimum 300-franc deductible, whose lowest premium is CHF 414.30, the CHF 1'000 deductible saves CHF 420.00 a year on the premium.
What it risks
In exchange you must cover CHF 700 more yourself before the insurance steps in. The tipping point is CHF 720.00 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 1'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 379.30 | View |
| 2 | Luzerner Hinterland | CHF 384.80 | View |
| 3 | Sanitas | CHF 388.70 | View |
| 4 | KPT | CHF 389.30 | View |
| 5 | Vivao Sympany | CHF 390.40 | View |
| 6 | CONCORDIA | CHF 394.40 | View |
| 7 | CSS | CHF 397.80 | View |
| 8 | sana24 | CHF 398.00 | View |
| 9 | Atupri | CHF 399.40 | View |
| 10 | Assura-Basis | CHF 399.40 | View |
| 11 | SWICA | CHF 401.80 | View |
| 12 | EGK | CHF 405.00 | View |
| 13 | ÖKK | CHF 405.40 | View |
| 14 | Galenos | CHF 405.40 | View |
| 15 | Avenir | CHF 406.40 | View |
| 16 | SLKK | CHF 406.80 | View |
| 17 | Sumiswalder | CHF 408.90 | View |
| 18 | Helsana | CHF 409.40 | View |
| 19 | Aquilana | CHF 415.50 | View |
| 20 | Philos | CHF 426.80 | View |
| 21 | rhenusana | CHF 438.60 | View |
| 22 | Visana | CHF 444.50 | View |
| 23 | vita surselva | CHF 447.50 | View |
| 24 | Einsiedler | CHF 472.00 | View |
| 25 | Mutuel | CHF 480.80 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.