CONCORDIA or Mutuel in Region 3 of canton Lucerne?
In Region 3, CONCORDIA is CHF 1'033.20 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 435.20 a month, Mutuel to CHF 521.30. The gap is CHF 1'033.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to CONCORDIA is worth CHF 250.80 more a year. Agrisano
Where they stand in the region
CONCORDIA ranks 7 and Mutuel ranks 25, 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 509.00 | CHF 595.80 | − 86.80 |
| 500 | CHF 497.40 | CHF 584.30 | − 86.90 |
| 1'000 | CHF 468.20 | CHF 555.30 | − 87.10 |
| 1'500 | CHF 439.00 | CHF 525.80 | − 86.80 |
| 2'000 | CHF 409.90 | CHF 496.80 | − 86.90 |
| 2'500 | CHF 380.70 | CHF 467.80 | − 87.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Mutuel |
|---|---|---|
| HMO practice | CHF 435.20 | CHF 524.30 |
| Other model | CHF 442.90 | CHF 521.30 |
| Family doctor | CHF 458.10 | CHF 542.20 |
| Free choice of doctor | CHF 509.00 | CHF 595.80 |
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.