Avenir — Region 1 of canton Lucerne, 2026 premiums
Avenir covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 323.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Avenir ranks 7 out of 25 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 498.12 a month.
What staying costs
Moving from Avenir to Atupri, the cheapest insurer in this region, saves CHF 285.60 a year for an adult on the same profile.
The full Avenir table
260 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 559.20 | CHF 500.50 | CHF 489.30 | CHF 475.40 |
| 500 | CHF 547.70 | CHF 489.00 | CHF 477.80 | CHF 463.90 |
| 1'000 | CHF 518.70 | CHF 460.00 | CHF 448.80 | CHF 434.90 |
| 1'500 | CHF 489.20 | CHF 430.50 | CHF 419.30 | CHF 405.40 |
| 2'000 | CHF 460.20 | CHF 401.50 | CHF 390.30 | CHF 376.40 |
| 2'500 | CHF 431.20 | CHF 372.50 | CHF 361.30 | CHF 347.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 400.50 | CHF 366.50 | CHF 354.50 | CHF 348.50 |
| 500 | CHF 389.00 | CHF 355.00 | CHF 343.00 | CHF 337.00 |
| 1'000 | CHF 360.00 | CHF 326.00 | CHF 314.00 | CHF 308.00 |
| 1'500 | CHF 330.50 | CHF 296.50 | CHF 284.50 | CHF 278.50 |
| 2'000 | CHF 301.50 | CHF 267.50 | CHF 255.50 | CHF 249.50 |
| 2'500 | CHF 272.50 | CHF 238.50 | CHF 226.50 | CHF 220.50 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 105.50 | CHF 97.60 | CHF 94.40 | CHF 94.40 |
| 100 | CHF 101.10 | CHF 93.20 | CHF 90.10 | CHF 90.10 |
| 200 | CHF 96.80 | CHF 88.90 | CHF 85.70 | CHF 85.70 |
| 300 | CHF 92.40 | CHF 84.50 | CHF 81.30 | CHF 81.30 |
| 400 | CHF 88.00 | CHF 80.10 | CHF 77.00 | CHF 77.00 |
| 500 | CHF 83.70 | CHF 75.80 | CHF 72.60 | CHF 72.60 |
| 600 | CHF 79.20 | CHF 71.30 | CHF 68.20 | CHF 68.20 |
With or without accident cover
With accident cover: CHF 559.20 a month. Without: CHF 520.10. Dropping it saves CHF 469.20 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 467.30 in 2025 to CHF 323.10 — a rise of 1.7 %.
The 5 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Lucerne, not to the municipality.
The other insurers in Region 1
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Atupri | CHF 451.60 | View |
| Sanitas | CHF 461.60 | View |
| Vivao Sympany | CHF 465.50 | View |
| Helsana | CHF 472.00 | View |
| Luzerner Hinterland | CHF 472.40 | View |
| CSS | CHF 473.80 | View |
| CONCORDIA | CHF 476.00 | View |
| Assura-Basis | CHF 478.80 | View |
| ÖKK | CHF 481.40 | View |
| sana24 | CHF 484.50 | View |
| EGK | CHF 491.60 | View |
| Galenos | CHF 495.30 | View |
| Agrisano | CHF 496.20 | View |
| SWICA | CHF 496.70 | View |
| KPT | CHF 498.70 | View |
| Aquilana | CHF 500.60 | View |
| Sumiswalder | CHF 504.50 | View |
| SLKK | CHF 508.90 | View |
| Philos | CHF 510.70 | View |
| Visana | CHF 529.70 | View |
| vita surselva | CHF 543.40 | View |
| rhenusana | CHF 547.90 | View |
| Mutuel | CHF 560.60 | View |
| Einsiedler | CHF 575.25 | View |
Source: Federal Office of Public Health (FOPH), official premiums.