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Sophie

CSS or SWICA in Region 3 of canton Lucerne?

In Region 3, SWICA is CHF 14.40 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

SWICA comes down to CHF 437.40 a month, CSS to CHF 438.60. The gap is CHF 14.40 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 SWICA is worth CHF 277.20 more a year. Agrisano

Where they stand in the region

CSS ranks 9 and SWICA ranks 8, 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.

DeductibleCSSSWICAGap
300CHF 507.00CHF 523.80− 16.80
500CHF 495.40CHF 512.20− 16.80
1'000CHF 466.20CHF 483.00− 16.80
1'500CHF 437.00CHF 453.80− 16.80
2'000CHF 407.90CHF 424.70− 16.80
2'500CHF 378.70CHF 395.50− 16.80

Model by model

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

ModelCSSSWICA
Family doctorCHF 438.60CHF 442.70
Other modelCHF 458.80CHF 476.70
Free choice of doctorCHF 507.00CHF 523.80
HMO practice—CHF 437.40

How they moved in this region

Against 2025, CSS moves by + 5.7 % and SWICA by + 1.9 % in this region.

CSS, SWICA, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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