CSS in the canton of Lucerne — 2026 premiums
CSS covers the 79 municipalities of the canton of Lucerne. Its lowest adult premium there is CHF 438.60 a month, with a 300-franc deductible and accident cover included.
Where it stands
CSS ranks 9 out of 25 active insurers in the canton of Lucerne, cheapest to dearest.
The cantonal average across all insurers is CHF 451.29 a month.
What switching would save you
Moving from CSS to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 291.60 a year — for strictly identical cover, since the law requires the same benefits from every insurer.
The figure is for an adult with a 300-franc deductible and accident cover. Your actual gap depends on your age, your deductible and your municipality — the comparator works it out for your situation.
Premium regions in the canton of Lucerne
A premium does not depend on the municipality but on the premium region it belongs to. Every municipality in the same region pays the same rate with the same insurer.
| Region | Municipalities | For example | From |
|---|---|---|---|
| 1 | 5 | Ebikon, Emmen, Horw, Kriens | CHF 473.80 |
| 2 | 19 | Adligenswil, Buchrain, Dierikon, Eich | CHF 441.70 |
| 3 | 55 | Aesch (LU), Alberswil, Altbüron, Altishofen | CHF 438.60 |
The models offered by CSS
The model changes the price without changing the benefits: what varies is your freedom to choose your first point of care.
| Model | Premium |
|---|---|
| Family doctor — Gesundheitspraxisversicherung | CHF 473.80 |
| Other model — Callmed | CHF 518.90 |
| Free choice of doctor — Grundversicherung | CHF 564.00 |
The other insurers in the canton of Lucerne
25 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 414.30 | View |
| Krankenkasse Luzerner Hinterland | CHF 425.65 | View |
| Sanitas Grundversicherungen AG | CHF 429.50 | View |
| KPT Caisse-maladie SA | CHF 430.10 | View |
| Vivao Sympany SA | CHF 431.20 | View |
| sana24 AG | CHF 432.00 | View |
| CONCORDIA Assurance suisse de maladie et accidents SA | CHF 435.20 | View |
| SWICA Assurance-maladie SA | CHF 437.40 | View |
| Atupri Assurance de la santé SA | CHF 440.20 | View |
| Assura-Basis SA | CHF 440.20 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 442.70 | View |
| EGK Grundversicherungen AG | CHF 445.80 | View |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 446.20 | View |
| Galenos AG | CHF 446.30 | View |
| Avenir Assurance | CHF 446.90 | View |
| Sumiswalder Krankenkasse | CHF 449.70 | View |
| Helsana Assurances SA | CHF 450.20 | View |
| Aquilana Versicherungen | CHF 451.00 | View |
| Philos Assurance | CHF 467.30 | View |
| rhenusana | CHF 476.10 | View |
| Visana AG | CHF 485.30 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler Krankenkasse | CHF 512.75 | View |
| Mutuel Assurance | CHF 521.30 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.