CSS or Mutuel in Region 3 of canton Lucerne?

In Region 3, CSS is CHF 992.40 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 438.60 a month, Mutuel to CHF 521.30. The gap is CHF 992.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to CSS is worth CHF 291.60 more a year. Agrisano

CSS ranks 9 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 507.00	CHF 595.80	− 88.80
500	CHF 495.40	CHF 584.30	− 88.90
1'000	CHF 466.20	CHF 555.30	− 89.10
1'500	CHF 437.00	CHF 525.80	− 88.80
2'000	CHF 407.90	CHF 496.80	− 88.90
2'500	CHF 378.70	CHF 467.80	− 89.10

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

Against 2025, CSS moves by + 5.7 % and Mutuel by + 8.0 % in this region.

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