CHF 2'500 deductible in Region 3 of canton Lucerne
At a CHF 2'500 deductible, 25 insurers offer a premium in Region 3 of canton Lucerne. The lowest is CHF 297.30 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 2'500 deductible saves CHF 1'404.00 a year on the premium.
What it risks
In exchange you must cover CHF 2'200 more yourself before the insurance steps in. The tipping point is CHF 1'704.00 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 2'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Luzerner Hinterland | CHF 297.30 | View |
| 2 | Sanitas | CHF 301.20 | View |
| 3 | KPT | CHF 301.80 | View |
| 4 | Vivao Sympany | CHF 302.90 | View |
| 5 | Agrisano | CHF 304.00 | View |
| 6 | CONCORDIA | CHF 306.90 | View |
| 7 | SWICA | CHF 309.10 | View |
| 8 | CSS | CHF 310.30 | View |
| 9 | Atupri | CHF 311.90 | View |
| 10 | Assura-Basis | CHF 311.90 | View |
| 11 | sana24 | CHF 317.40 | View |
| 12 | EGK | CHF 317.50 | View |
| 13 | ÖKK | CHF 317.90 | View |
| 14 | Galenos | CHF 317.90 | View |
| 15 | Avenir | CHF 318.90 | View |
| 16 | Sumiswalder | CHF 321.50 | View |
| 17 | Helsana | CHF 321.90 | View |
| 18 | SLKK | CHF 329.80 | View |
| 19 | Aquilana | CHF 331.50 | View |
| 20 | Philos | CHF 339.30 | View |
| 21 | Visana | CHF 357.00 | View |
| 22 | rhenusana | CHF 358.10 | View |
| 23 | vita surselva | CHF 364.80 | View |
| 24 | Einsiedler | CHF 384.50 | View |
| 25 | Mutuel | CHF 393.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.