CONCORDIA — Region 3 of canton Lucerne, 2026 premiums
CONCORDIA covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 290.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
CONCORDIA ranks 7 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 CONCORDIA to Agrisano, the cheapest insurer in this region, saves CHF 250.80 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 509.00 | CHF 458.10 | CHF 435.20 | CHF 442.90 |
| 500 | CHF 497.40 | CHF 446.50 | CHF 423.60 | CHF 431.30 |
| 1'000 | CHF 468.20 | CHF 417.30 | CHF 394.40 | CHF 402.10 |
| 1'500 | CHF 439.00 | CHF 388.10 | CHF 365.20 | CHF 372.90 |
| 2'000 | CHF 409.90 | CHF 359.00 | CHF 336.10 | CHF 343.80 |
| 2'500 | CHF 380.70 | CHF 329.80 | CHF 306.90 | CHF 314.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 381.80 | CHF 343.70 | CHF 326.50 | CHF 332.20 |
| 500 | CHF 370.20 | CHF 332.10 | CHF 314.90 | CHF 320.60 |
| 1'000 | CHF 341.00 | CHF 302.90 | CHF 285.70 | CHF 291.40 |
| 1'500 | CHF 311.80 | CHF 273.70 | CHF 256.50 | CHF 262.20 |
| 2'000 | CHF 282.70 | CHF 244.60 | CHF 227.40 | CHF 233.10 |
| 2'500 | CHF 253.50 | CHF 215.40 | CHF 202.10 | CHF 203.90 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 61.10 | CHF 55.00 | CHF 52.30 | CHF 53.20 |
| 100 | CHF 55.30 | CHF 49.20 | CHF 46.50 | CHF 47.40 |
| 200 | CHF 49.50 | CHF 43.40 | CHF 40.70 | CHF 41.60 |
| 300 | CHF 43.60 | CHF 37.50 | CHF 34.80 | CHF 35.70 |
| 400 | CHF 37.80 | CHF 32.40 | CHF 32.40 | CHF 32.40 |
| 500 | CHF 32.40 | CHF 32.40 | CHF 32.40 | CHF 32.40 |
| 600 | CHF 32.40 | CHF 32.40 | CHF 32.40 | CHF 32.40 |
With or without accident cover
With accident cover: CHF 509.00 a month. Without: CHF 481.10. Dropping it saves CHF 334.80 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 405.70 in 2025 to CHF 290.10 — a rise of 7.3 %.
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 |
| 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 |
| Avenir | CHF 446.90 | 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.