HMO practice in Region 3 of canton Lucerne
14 of 25 insurers offer a HMO practice in Region 3 of canton Lucerne. The lowest premium is CHF 431.20 a month for an adult, 300-franc deductible, accident cover included.
What this model earns
With free choice of doctor the region’s lowest premium is CHF 452.80. This HMO practice therefore saves CHF 259.20 a year, for identical statutory cover.
The ranking, cheapest to dearest
14 insurers offer this model in this region, with the trade name of their plan.
| Rank | Insurer | Plan name | Premium | |
|---|---|---|---|---|
| 1 | Vivao Sympany | casamed hmo | CHF 431.20 | View |
| 2 | sana24 | VIVA – Gesundheitsplan | CHF 432.00 | View |
| 3 | CONCORDIA | HMO | CHF 435.20 | View |
| 4 | SWICA | FAVORIT SANTE | CHF 437.40 | View |
| 5 | Atupri | HMO | CHF 440.20 | View |
| 6 | Agrisano | AGRIeco | CHF 443.30 | View |
| 7 | ÖKK | Gesundheitszentrum | CHF 446.20 | View |
| 8 | Galenos | Managed Care | CHF 446.30 | View |
| 9 | KPT | KPTwin.plus | CHF 449.00 | View |
| 10 | Sanitas | MultiAccess | CHF 449.30 | View |
| 11 | Avenir | OptiMed | CHF 460.00 | View |
| 12 | Philos | OptiMed | CHF 467.30 | View |
| 13 | Visana | Managed Care | CHF 485.30 | View |
| 14 | Mutuel | OptiMed | CHF 524.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.