CSS or SWICA in Region 1 of canton Lucerne?

In Region 1, CSS is CHF 274.80 a year cheaper than SWICA 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 473.80 a month, SWICA to CHF 496.70. The gap is CHF 274.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to CSS is worth CHF 266.40 more a year. Atupri

CSS ranks 6 and SWICA ranks 15, 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	SWICA	Gap
300	CHF 564.00	CHF 580.90	− 16.90
500	CHF 552.40	CHF 569.30	− 16.90
1'000	CHF 523.20	CHF 540.10	− 16.90
1'500	CHF 494.00	CHF 510.90	− 16.90
2'000	CHF 464.90	CHF 481.80	− 16.90
2'500	CHF 435.70	CHF 452.60	− 16.90

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

Against 2025, CSS moves by + 2.4 % and SWICA by + 1.8 % in this region.

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