Free choice of doctor with a CHF 300 deductible in Region 3 of canton Lucerne
25 insurers offer a Free choice of doctor with a CHF 300 deductible in Region 3. The lowest premium is CHF 452.80 a month for an adult, accident cover included.
Where the saving comes from
The two parts do not add up exactly: insurers do not price the two choices independently. The total above is the real figure; the breakdown gives the order of magnitude of each lever.
What the deductible risks
This is the minimum deductible: no extra risk compared with the reference.
The insurers, cheapest to dearest
25 insurers offer this combination in this region, with the trade name of their plan.
| Rank | Insurer | Plan name | Premium | |
|---|---|---|---|---|
| 1 | Luzerner Hinterland | Grundversicherung | CHF 452.80 | View |
| 2 | Agrisano | Grundversicherung | CHF 481.80 | View |
| 3 | Sumiswalder | Grundversicherung | CHF 488.80 | View |
| 4 | Vivao Sympany | Grundversicherung | CHF 490.00 | View |
| 5 | Sanitas | Grundversicherung | CHF 493.70 | View |
| 6 | Atupri | Grundversicherung | CHF 494.60 | View |
| 7 | Assura-Basis | Grundversicherung | CHF 497.40 | View |
| 8 | EGK | Grundversicherung | CHF 500.80 | View |
| 9 | SLKK | Grundversicherung | CHF 503.10 | View |
| 10 | KPT | Grundversicherung | CHF 505.60 | View |
| 11 | CSS | Grundversicherung | CHF 507.00 | View |
| 12 | ÖKK | Grundversicherung | CHF 507.00 | View |
| 13 | CONCORDIA | Grundversicherung | CHF 509.00 | View |
| 14 | vita surselva | Grundversicherung | CHF 512.00 | View |
| 15 | Einsiedler | Grundversicherung | CHF 512.75 | View |
| 16 | rhenusana | Grundversicherung | CHF 517.50 | View |
| 17 | Aquilana | Grundversicherung | CHF 518.30 | View |
| 18 | SWICA | Grundversicherung | CHF 523.80 | View |
| 19 | sana24 | Grundversicherung | CHF 525.50 | View |
| 20 | Avenir | Grundversicherung | CHF 525.70 | View |
| 21 | Helsana | Grundversicherung | CHF 536.00 | View |
| 22 | Galenos | Grundversicherung | CHF 537.60 | View |
| 23 | Philos | Grundversicherung | CHF 543.40 | View |
| 24 | Visana | Grundversicherung | CHF 561.00 | View |
| 25 | Mutuel | Grundversicherung | CHF 595.80 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.