CHF 500 deductible in Region 3 of canton Lucerne
At a CHF 500 deductible, 25 insurers offer a premium in Region 3 of canton Lucerne. The lowest is CHF 404.30 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 500 deductible saves CHF 120.00 a year on the premium.
What it risks
In exchange you must cover CHF 200 more yourself before the insurance steps in. The tipping point is CHF 420.00 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 500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 404.30 | View |
| 2 | Luzerner Hinterland | CHF 413.95 | View |
| 3 | Sanitas | CHF 417.90 | View |
| 4 | KPT | CHF 418.50 | View |
| 5 | Vivao Sympany | CHF 419.60 | View |
| 6 | sana24 | CHF 420.40 | View |
| 7 | CONCORDIA | CHF 423.60 | View |
| 8 | SWICA | CHF 425.80 | View |
| 9 | CSS | CHF 427.00 | View |
| 10 | Atupri | CHF 428.60 | View |
| 11 | Assura-Basis | CHF 428.60 | View |
| 12 | SLKK | CHF 432.50 | View |
| 13 | EGK | CHF 434.20 | View |
| 14 | ÖKK | CHF 434.60 | View |
| 15 | Galenos | CHF 434.60 | View |
| 16 | Avenir | CHF 435.40 | View |
| 17 | Sumiswalder | CHF 438.10 | View |
| 18 | Helsana | CHF 438.60 | View |
| 19 | Aquilana | CHF 440.90 | View |
| 20 | Philos | CHF 455.80 | View |
| 21 | rhenusana | CHF 465.60 | View |
| 22 | vita surselva | CHF 476.65 | View |
| 23 | Visana | CHF 478.70 | View |
| 24 | Einsiedler | CHF 501.20 | View |
| 25 | Mutuel | CHF 509.80 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.