CSS or Sanitas in Region 2 of canton Lucerne?
In Region 2, CSS is CHF 22.80 a year cheaper than Sanitas 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, Sanitas to CHF 443.60. The gap is CHF 22.80 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 Sanitas ranks 4, 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 529.00 | CHF 509.90 | + 19.10 |
| 500 | CHF 517.40 | CHF 498.30 | + 19.10 |
| 1'000 | CHF 488.20 | CHF 469.10 | + 19.10 |
| 1'500 | CHF 459.00 | CHF 439.90 | + 19.10 |
| 2'000 | CHF 429.90 | CHF 410.80 | + 19.10 |
| 2'500 | CHF 400.70 | CHF 381.60 | + 19.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 441.70 | CHF 443.60 |
| Other model | CHF 478.70 | CHF 459.00 |
| Free choice of doctor | CHF 529.00 | CHF 509.90 |
| HMO practice | — | CHF 464.10 |
How they moved in this region
Against 2025, CSS moves by + 2.3 % and Sanitas by + 4.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.