CONCORDIA — Region 1 of canton Lucerne, 2026 premiums
CONCORDIA covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 328.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
CONCORDIA ranks 8 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 CONCORDIA to Atupri, the cheapest insurer in this region, saves CHF 292.80 a year for an adult on the same profile.
The full CONCORDIA table
208 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 556.70 | CHF 501.10 | CHF 476.00 | CHF 484.40 |
| 500 | CHF 545.10 | CHF 489.50 | CHF 464.40 | CHF 472.80 |
| 1'000 | CHF 515.90 | CHF 460.30 | CHF 435.20 | CHF 443.60 |
| 1'500 | CHF 486.70 | CHF 431.10 | CHF 406.00 | CHF 414.40 |
| 2'000 | CHF 457.60 | CHF 402.00 | CHF 376.90 | CHF 385.30 |
| 2'500 | CHF 428.40 | CHF 372.80 | CHF 347.70 | CHF 356.10 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 417.60 | CHF 375.90 | CHF 357.10 | CHF 363.40 |
| 500 | CHF 406.00 | CHF 364.30 | CHF 345.50 | CHF 351.80 |
| 1'000 | CHF 376.80 | CHF 335.10 | CHF 316.30 | CHF 322.60 |
| 1'500 | CHF 347.60 | CHF 305.90 | CHF 287.10 | CHF 293.40 |
| 2'000 | CHF 318.50 | CHF 276.80 | CHF 258.00 | CHF 264.30 |
| 2'500 | CHF 289.30 | CHF 247.60 | CHF 228.80 | CHF 235.10 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 66.90 | CHF 60.30 | CHF 57.20 | CHF 58.30 |
| 100 | CHF 61.10 | CHF 54.50 | CHF 51.40 | CHF 52.50 |
| 200 | CHF 55.30 | CHF 48.70 | CHF 45.60 | CHF 46.70 |
| 300 | CHF 49.40 | CHF 42.80 | CHF 39.70 | CHF 40.80 |
| 400 | CHF 43.60 | CHF 37.00 | CHF 35.40 | CHF 35.40 |
| 500 | CHF 37.80 | CHF 35.40 | CHF 35.40 | CHF 35.40 |
| 600 | CHF 35.40 | CHF 35.40 | CHF 35.40 | CHF 35.40 |
With or without accident cover
With accident cover: CHF 556.70 a month. Without: CHF 526.10. Dropping it saves CHF 367.20 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 443.80 in 2025 to CHF 328.60 — a rise of 7.3 %.
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 |
| Avenir | CHF 475.40 | 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.