CSS or CONCORDIA in Region 2 of canton Lucerne?
In Region 2, CSS is CHF 68.40 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 441.70 a month, CONCORDIA to CHF 447.40. The gap is CHF 68.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to CSS is worth CHF 192.00 more a year. Agrisano
Where they stand in the region
CSS ranks 3 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 529.00 | CHF 523.20 | + 5.80 |
| 500 | CHF 517.40 | CHF 511.60 | + 5.80 |
| 1'000 | CHF 488.20 | CHF 482.40 | + 5.80 |
| 1'500 | CHF 459.00 | CHF 453.20 | + 5.80 |
| 2'000 | CHF 429.90 | CHF 424.10 | + 5.80 |
| 2'500 | CHF 400.70 | CHF 394.90 | + 5.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | CONCORDIA |
|---|---|---|
| Family doctor | CHF 441.70 | CHF 470.90 |
| Other model | CHF 478.70 | CHF 455.20 |
| Free choice of doctor | CHF 529.00 | CHF 523.20 |
| HMO practice | — | CHF 447.40 |
How they moved in this region
Against 2025, CSS moves by + 2.3 % and CONCORDIA by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.