CSS or Sanitas in Region 3 of canton Lucerne?
In Region 3, Sanitas is CHF 109.20 a year cheaper than CSS for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Sanitas comes down to CHF 429.50 a month, CSS to CHF 438.60. The gap is CHF 109.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to Sanitas is worth CHF 182.40 more a year. Agrisano
Where they stand in the region
CSS ranks 9 and Sanitas ranks 3, 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 507.00 | CHF 493.70 | + 13.30 |
| 500 | CHF 495.40 | CHF 482.10 | + 13.30 |
| 1'000 | CHF 466.20 | CHF 452.90 | + 13.30 |
| 1'500 | CHF 437.00 | CHF 423.70 | + 13.30 |
| 2'000 | CHF 407.90 | CHF 394.60 | + 13.30 |
| 2'500 | CHF 378.70 | CHF 365.40 | + 13.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 438.60 | CHF 429.50 |
| Other model | CHF 458.80 | CHF 444.40 |
| Free choice of doctor | CHF 507.00 | CHF 493.70 |
| HMO practice | — | CHF 449.30 |
How they moved in this region
Against 2025, CSS moves by + 5.7 % and Sanitas by + 4.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.