CONCORDIA — Region 2 of canton Lucerne, 2026 premiums
CONCORDIA covers the 19 municipalities of Region 2 in canton Lucerne. Its lowest adult premium here is CHF 301.60 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 2, cheapest to dearest.
The regional average across insurers is CHF 464.78 a month.
What staying costs
Moving from CONCORDIA to Agrisano, the cheapest insurer in this region, saves CHF 260.40 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 523.20 | CHF 470.90 | CHF 447.40 | CHF 455.20 |
| 500 | CHF 511.60 | CHF 459.30 | CHF 435.80 | CHF 443.60 |
| 1'000 | CHF 482.40 | CHF 430.10 | CHF 406.60 | CHF 414.40 |
| 1'500 | CHF 453.20 | CHF 400.90 | CHF 377.40 | CHF 385.20 |
| 2'000 | CHF 424.10 | CHF 371.80 | CHF 348.30 | CHF 356.10 |
| 2'500 | CHF 394.90 | CHF 342.60 | CHF 319.10 | CHF 326.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 392.40 | CHF 353.20 | CHF 335.60 | CHF 341.40 |
| 500 | CHF 380.80 | CHF 341.60 | CHF 324.00 | CHF 329.80 |
| 1'000 | CHF 351.60 | CHF 312.40 | CHF 294.80 | CHF 300.60 |
| 1'500 | CHF 322.40 | CHF 283.20 | CHF 265.60 | CHF 271.40 |
| 2'000 | CHF 293.30 | CHF 254.10 | CHF 236.50 | CHF 242.30 |
| 2'500 | CHF 264.10 | CHF 224.90 | CHF 207.70 | CHF 213.10 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 62.80 | CHF 56.60 | CHF 53.70 | CHF 54.70 |
| 100 | CHF 57.00 | CHF 50.80 | CHF 47.90 | CHF 48.90 |
| 200 | CHF 51.20 | CHF 45.00 | CHF 42.10 | CHF 43.10 |
| 300 | CHF 45.30 | CHF 39.10 | CHF 36.20 | CHF 37.20 |
| 400 | CHF 39.50 | CHF 33.30 | CHF 33.30 | CHF 33.30 |
| 500 | CHF 33.70 | CHF 33.30 | CHF 33.30 | CHF 33.30 |
| 600 | CHF 33.30 | CHF 33.30 | CHF 33.30 | CHF 33.30 |
With or without accident cover
With accident cover: CHF 523.20 a month. Without: CHF 494.50. Dropping it saves CHF 344.40 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 417.10 in 2025 to CHF 301.60 — a rise of 7.3 %.
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 |
| EGK | CHF 451.20 | View |
| Atupri | CHF 455.70 | View |
| Avenir | CHF 456.40 | 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.