CSS or CONCORDIA in Region 1 of canton Lucerne?
In Region 1, CSS is CHF 26.40 a year cheaper than CONCORDIA for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CSS comes down to CHF 473.80 a month, CONCORDIA to CHF 476.00. The gap is CHF 26.40 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 CSS is worth CHF 266.40 more a year. Atupri
Where they stand in the region
CSS ranks 6 and CONCORDIA ranks 8, 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 | CSS | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 564.00 | CHF 556.70 | + 7.30 |
| 500 | CHF 552.40 | CHF 545.10 | + 7.30 |
| 1'000 | CHF 523.20 | CHF 515.90 | + 7.30 |
| 1'500 | CHF 494.00 | CHF 486.70 | + 7.30 |
| 2'000 | CHF 464.90 | CHF 457.60 | + 7.30 |
| 2'500 | CHF 435.70 | CHF 428.40 | + 7.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | CONCORDIA |
|---|---|---|
| Family doctor | CHF 473.80 | CHF 501.10 |
| Other model | CHF 518.90 | CHF 484.40 |
| Free choice of doctor | CHF 564.00 | CHF 556.70 |
| HMO practice | — | CHF 476.00 |
How they moved in this region
Against 2025, CSS moves by + 2.4 % and CONCORDIA by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.