CSS or Mutuel in Region 2 of canton Lucerne?

In Region 2, CSS is CHF 1'022.40 a year cheaper than Mutuel 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, Mutuel to CHF 526.90. The gap is CHF 1'022.40 a year, 300-franc deductible, accident cover included.

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

CSS ranks 3 and Mutuel ranks 25, out of 25 active insurers in this region.

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	Mutuel	Gap
300	CHF 529.00	CHF 602.20	− 73.20
500	CHF 517.40	CHF 590.70	− 73.30
1'000	CHF 488.20	CHF 561.70	− 73.50
1'500	CHF 459.00	CHF 532.20	− 73.20
2'000	CHF 429.90	CHF 503.20	− 73.30
2'500	CHF 400.70	CHF 474.20	− 73.50

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

Against 2025, CSS moves by + 2.3 % and Mutuel by + 8.0 % in this region.

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