CSS or SWICA in Region 2 of canton Lucerne?

In Region 2, CSS is CHF 418.80 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 441.70 a month, SWICA to CHF 476.60. The gap is CHF 418.80 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 SWICA ranks 19, 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 529.00	CHF 550.90	− 21.90
500	CHF 517.40	CHF 539.30	− 21.90
1'000	CHF 488.20	CHF 510.10	− 21.90
1'500	CHF 459.00	CHF 480.90	− 21.90
2'000	CHF 429.90	CHF 451.80	− 21.90
2'500	CHF 400.70	CHF 422.60	− 21.90

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

Against 2025, CSS moves by + 2.3 % and SWICA by + 1.9 % in this region.

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