CHF 1'500 deductible in Region 3 of canton Lucerne
At a CHF 1'500 deductible, 25 insurers offer a premium in Region 3 of canton Lucerne. The lowest is CHF 354.10 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 1'500 deductible saves CHF 722.40 a year on the premium.
What it risks
In exchange you must cover CHF 1'200 more yourself before the insurance steps in. The tipping point is CHF 1'022.40 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 1'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 354.10 | View |
| 2 | Luzerner Hinterland | CHF 355.65 | View |
| 3 | Sanitas | CHF 359.50 | View |
| 4 | KPT | CHF 360.10 | View |
| 5 | Vivao Sympany | CHF 361.20 | View |
| 6 | CONCORDIA | CHF 365.20 | View |
| 7 | CSS | CHF 368.60 | View |
| 8 | sana24 | CHF 368.90 | View |
| 9 | Atupri | CHF 370.20 | View |
| 10 | Assura-Basis | CHF 370.20 | View |
| 11 | SWICA | CHF 372.70 | View |
| 12 | EGK | CHF 375.80 | View |
| 13 | ÖKK | CHF 376.20 | View |
| 14 | Galenos | CHF 376.30 | View |
| 15 | Avenir | CHF 376.90 | View |
| 16 | Sumiswalder | CHF 379.70 | View |
| 17 | Helsana | CHF 380.20 | View |
| 18 | SLKK | CHF 381.10 | View |
| 19 | Aquilana | CHF 390.20 | View |
| 20 | Philos | CHF 397.30 | View |
| 21 | rhenusana | CHF 412.10 | View |
| 22 | Visana | CHF 415.30 | View |
| 23 | vita surselva | CHF 418.30 | View |
| 24 | Einsiedler | CHF 442.80 | View |
| 25 | Mutuel | CHF 451.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.