Avenir — Region 3 of canton Lucerne, 2026 premiums
Avenir covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 296.50 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Avenir ranks 16 out of 25 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 451.29 a month.
What staying costs
Moving from Avenir to Agrisano, the cheapest insurer in this region, saves CHF 391.20 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 525.70 | CHF 470.50 | CHF 460.00 | CHF 446.90 |
| 500 | CHF 514.20 | CHF 459.00 | CHF 448.50 | CHF 435.40 |
| 1'000 | CHF 485.20 | CHF 430.00 | CHF 419.50 | CHF 406.40 |
| 1'500 | CHF 455.70 | CHF 400.50 | CHF 390.00 | CHF 376.90 |
| 2'000 | CHF 426.70 | CHF 371.50 | CHF 361.00 | CHF 347.90 |
| 2'500 | CHF 397.70 | CHF 342.50 | CHF 332.00 | CHF 318.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 376.50 | CHF 344.50 | CHF 333.20 | CHF 327.60 |
| 500 | CHF 365.00 | CHF 333.00 | CHF 321.70 | CHF 316.10 |
| 1'000 | CHF 336.00 | CHF 304.00 | CHF 292.70 | CHF 287.10 |
| 1'500 | CHF 306.50 | CHF 274.50 | CHF 263.20 | CHF 257.60 |
| 2'000 | CHF 277.50 | CHF 245.50 | CHF 234.20 | CHF 228.60 |
| 2'500 | CHF 248.50 | CHF 216.50 | CHF 205.20 | CHF 203.50 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 99.20 | CHF 91.70 | CHF 88.80 | CHF 88.80 |
| 100 | CHF 94.80 | CHF 87.40 | CHF 84.40 | CHF 84.40 |
| 200 | CHF 90.50 | CHF 83.00 | CHF 80.10 | CHF 80.10 |
| 300 | CHF 86.00 | CHF 78.60 | CHF 75.60 | CHF 75.60 |
| 400 | CHF 81.70 | CHF 74.30 | CHF 71.30 | CHF 71.30 |
| 500 | CHF 77.30 | CHF 69.90 | CHF 66.90 | CHF 66.90 |
| 600 | CHF 72.90 | CHF 65.50 | CHF 62.50 | CHF 62.50 |
With or without accident cover
With accident cover: CHF 525.70 a month. Without: CHF 488.90. Dropping it saves CHF 441.60 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 439.30 in 2025 to CHF 296.50 — a rise of 1.7 %.
The 55 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Lucerne, not to the municipality.
Aesch (LU) · Alberswil · Altbüron · Altishofen · Ballwil · Beromünster · Buttisholz · Büron · Dagmersellen · Doppleschwand · Egolzwil · Entlebuch · Ermensee · Eschenbach (LU) · Escholzmatt-Marbach · Ettiswil · Fischbach · Flühli · Geuensee · Gisikon · Greppen · Grossdietwil · Grosswangen · Hasle (LU) · Hergiswil bei Willisau · Hildisrieden · Hitzkirch · Hochdorf · Hohenrain · Inwil · Knutwil · Luthern · Mauensee · Menznau · Nebikon · Pfaffnau · Rain · Reiden · Rickenbach (LU) · Roggliswil · Romoos · Römerswil · Schlierbach · Schongau · Schwarzenberg · Schötz · Schüpfheim · Triengen · Ufhusen · Vitznau · Wauwil · Weggis · Wikon · Willisau · Zell (LU)
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 414.30 | View |
| Luzerner Hinterland | CHF 425.65 | View |
| Sanitas | CHF 429.50 | View |
| KPT | CHF 430.10 | View |
| Vivao Sympany | CHF 431.20 | View |
| sana24 | CHF 432.00 | View |
| CONCORDIA | CHF 435.20 | View |
| SWICA | CHF 437.40 | View |
| CSS | CHF 438.60 | View |
| Atupri | CHF 440.20 | View |
| Assura-Basis | CHF 440.20 | View |
| SLKK | CHF 442.70 | View |
| EGK | CHF 445.80 | View |
| ÖKK | CHF 446.20 | View |
| Galenos | CHF 446.30 | View |
| Sumiswalder | CHF 449.70 | View |
| Helsana | CHF 450.20 | View |
| Aquilana | CHF 451.00 | View |
| Philos | CHF 467.30 | View |
| rhenusana | CHF 476.10 | View |
| Visana | CHF 485.30 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 521.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums.