CONCORDIA or Mutuel in Region 1 of canton Lucerne?
In Region 1, CONCORDIA is CHF 1'015.20 a year cheaper than Mutuel for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CONCORDIA comes down to CHF 476.00 a month, Mutuel to CHF 560.60. The gap is CHF 1'015.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to CONCORDIA is worth CHF 292.80 more a year. Atupri
Where they stand in the region
CONCORDIA ranks 8 and Mutuel ranks 24, out of 25 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | CONCORDIA | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 556.70 | CHF 640.60 | − 83.90 |
| 500 | CHF 545.10 | CHF 629.10 | − 84.00 |
| 1'000 | CHF 515.90 | CHF 600.10 | − 84.20 |
| 1'500 | CHF 486.70 | CHF 570.60 | − 83.90 |
| 2'000 | CHF 457.60 | CHF 541.60 | − 84.00 |
| 2'500 | CHF 428.40 | CHF 512.60 | − 84.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Mutuel |
|---|---|---|
| HMO practice | CHF 476.00 | CHF 563.80 |
| Other model | CHF 484.40 | CHF 560.60 |
| Family doctor | CHF 501.10 | CHF 583.00 |
| Free choice of doctor | CHF 556.70 | CHF 640.60 |
How they moved in this region
Against 2025, CONCORDIA moves by + 7.3 % and Mutuel by + 8.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.