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CSS or EGK in Region 2 of canton Lucerne?

In Region 2, CSS is CHF 114.00 a year cheaper than EGK 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, EGK to CHF 451.20. The gap is CHF 114.00 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 EGK ranks 9, 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.

DeductibleCSSEGKGap
300CHF 529.00CHF 521.60+ 7.40
500CHF 517.40CHF 509.90+ 7.50
1'000CHF 488.20CHF 480.80+ 7.40
1'500CHF 459.00CHF 451.60+ 7.40
2'000CHF 429.90CHF 422.40+ 7.50
2'500CHF 400.70CHF 393.30+ 7.40

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelCSSEGK
Family doctorCHF 441.70CHF 466.90
Other modelCHF 478.70CHF 451.20
Free choice of doctorCHF 529.00CHF 521.60

How they moved in this region

Against 2025, CSS moves by + 2.3 % and EGK by + 7.0 % in this region.

CSS, EGK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.