CHF 2'000 deductible in Region 3 of canton Lucerne
At a CHF 2'000 deductible, 24 insurers offer a premium in Region 3 of canton Lucerne. The lowest is CHF 326.45 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 2'000 deductible saves CHF 1'054.20 a year on the premium.
What it risks
In exchange you must cover CHF 1'700 more yourself before the insurance steps in. The tipping point is CHF 1'354.20 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
24 insurers at a CHF 2'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Luzerner Hinterland | CHF 326.45 | View |
| 2 | Agrisano | CHF 329.00 | View |
| 3 | Sanitas | CHF 330.40 | View |
| 4 | Vivao Sympany | CHF 332.10 | View |
| 5 | CONCORDIA | CHF 336.10 | View |
| 6 | SWICA | CHF 338.30 | View |
| 7 | CSS | CHF 339.50 | View |
| 8 | Atupri | CHF 341.10 | View |
| 9 | Assura-Basis | CHF 341.10 | View |
| 10 | sana24 | CHF 346.50 | View |
| 11 | EGK | CHF 346.70 | View |
| 12 | ÖKK | CHF 347.10 | View |
| 13 | Galenos | CHF 347.10 | View |
| 14 | Avenir | CHF 347.90 | View |
| 15 | Sumiswalder | CHF 350.60 | View |
| 16 | Helsana | CHF 351.10 | View |
| 17 | SLKK | CHF 355.50 | View |
| 18 | Aquilana | CHF 364.80 | View |
| 19 | Philos | CHF 368.30 | View |
| 20 | rhenusana | CHF 385.10 | View |
| 21 | Visana | CHF 386.20 | View |
| 22 | vita surselva | CHF 389.10 | View |
| 23 | Einsiedler | CHF 413.70 | View |
| 24 | Mutuel | CHF 422.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.