Avenir — Region 2 of canton Lucerne, 2026 premiums
Avenir covers the 19 municipalities of Region 2 in canton Lucerne. Its lowest adult premium here is CHF 305.40 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Avenir ranks 11 out of 25 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 464.78 a month.
What staying costs
Moving from Avenir to Agrisano, the cheapest insurer in this region, saves CHF 368.40 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 536.90 | CHF 480.50 | CHF 469.80 | CHF 456.40 |
| 500 | CHF 525.40 | CHF 469.00 | CHF 458.30 | CHF 444.90 |
| 1'000 | CHF 496.40 | CHF 440.00 | CHF 429.30 | CHF 415.90 |
| 1'500 | CHF 466.90 | CHF 410.50 | CHF 399.80 | CHF 386.40 |
| 2'000 | CHF 437.90 | CHF 381.50 | CHF 370.80 | CHF 357.40 |
| 2'500 | CHF 408.90 | CHF 352.50 | CHF 341.80 | CHF 328.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 384.50 | CHF 351.80 | CHF 340.30 | CHF 334.50 |
| 500 | CHF 373.00 | CHF 340.30 | CHF 328.80 | CHF 323.00 |
| 1'000 | CHF 344.00 | CHF 311.30 | CHF 299.80 | CHF 294.00 |
| 1'500 | CHF 314.50 | CHF 281.80 | CHF 270.30 | CHF 264.50 |
| 2'000 | CHF 285.50 | CHF 252.80 | CHF 241.30 | CHF 235.50 |
| 2'500 | CHF 256.50 | CHF 223.80 | CHF 212.30 | CHF 207.80 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 101.30 | CHF 93.70 | CHF 90.70 | CHF 90.70 |
| 100 | CHF 96.90 | CHF 89.30 | CHF 86.30 | CHF 86.30 |
| 200 | CHF 92.60 | CHF 85.00 | CHF 82.00 | CHF 82.00 |
| 300 | CHF 88.20 | CHF 80.60 | CHF 77.50 | CHF 77.50 |
| 400 | CHF 83.80 | CHF 76.20 | CHF 73.20 | CHF 73.20 |
| 500 | CHF 79.50 | CHF 71.90 | CHF 68.80 | CHF 68.80 |
| 600 | CHF 75.00 | CHF 67.40 | CHF 64.40 | CHF 64.40 |
With or without accident cover
With accident cover: CHF 536.90 a month. Without: CHF 499.30. Dropping it saves CHF 451.20 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 448.60 in 2025 to CHF 305.40 — a rise of 1.7 %.
The 19 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Lucerne, not to the municipality.
Adligenswil · Buchrain · Dierikon · Eich · Malters · Meggen · Meierskappel · Neuenkirch · Nottwil · Oberkirch · Root · Rothenburg · Ruswil · Schenkon · Sempach · Sursee · Udligenswil · Werthenstein · Wolhusen
The other insurers in Region 2
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 425.70 | View |
| Luzerner Hinterland | CHF 440.45 | View |
| CSS | CHF 441.70 | View |
| Sanitas | CHF 443.60 | View |
| sana24 | CHF 445.10 | View |
| Vivao Sympany | CHF 445.50 | View |
| KPT | CHF 446.90 | View |
| CONCORDIA | CHF 447.40 | View |
| EGK | CHF 451.20 | View |
| Atupri | CHF 455.70 | View |
| Assura-Basis | CHF 456.60 | View |
| SLKK | CHF 458.00 | View |
| ÖKK | CHF 458.50 | View |
| Helsana | CHF 458.60 | View |
| Galenos | CHF 464.50 | View |
| Sumiswalder | CHF 464.60 | View |
| Aquilana | CHF 468.20 | View |
| SWICA | CHF 476.60 | View |
| Philos | CHF 485.20 | View |
| Visana | CHF 485.30 | View |
| rhenusana | CHF 498.60 | View |
| vita surselva | CHF 505.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 526.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.