CSS — Region 1 of canton Lucerne, 2026 premiums
CSS covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 321.30 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
CSS ranks 6 out of 25 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 498.12 a month.
What staying costs
Moving from CSS to Atupri, the cheapest insurer in this region, saves CHF 266.40 a year for an adult on the same profile.
The full CSS table
180 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 564.00 | CHF 473.80 | CHF 518.90 |
| 500 | CHF 552.40 | CHF 462.20 | CHF 507.30 |
| 1'000 | CHF 523.20 | CHF 433.00 | CHF 478.10 |
| 1'500 | CHF 494.00 | CHF 403.80 | CHF 448.90 |
| 2'000 | CHF 464.90 | CHF 374.70 | CHF 419.80 |
| 2'500 | CHF 435.70 | CHF 345.50 | CHF 394.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 377.90 | CHF 336.40 | CHF 377.90 |
| 500 | CHF 366.30 | CHF 324.80 | CHF 366.30 |
| 1'000 | CHF 337.10 | CHF 295.60 | CHF 337.10 |
| 1'500 | CHF 307.90 | CHF 266.40 | CHF 307.90 |
| 2'000 | CHF 278.80 | CHF 237.30 | CHF 278.80 |
| 2'500 | CHF 249.60 | CHF 208.10 | CHF 249.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 124.10 | CHF 108.60 | CHF 114.20 |
| 100 | CHF 118.30 | CHF 102.80 | CHF 108.40 |
| 200 | CHF 112.50 | CHF 97.00 | CHF 102.60 |
| 300 | CHF 106.60 | CHF 91.10 | CHF 96.70 |
| 400 | CHF 100.80 | CHF 85.30 | CHF 90.90 |
| 600 | CHF 89.10 | CHF 73.60 | CHF 79.20 |
With or without accident cover
With accident cover: CHF 564.00 a month. Without: CHF 524.50. Dropping it saves CHF 474.00 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 462.80 in 2025 to CHF 321.30 — a rise of 2.4 %.
The 5 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Lucerne, not to the municipality.
The other insurers in Region 1
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Atupri | CHF 451.60 | View |
| Sanitas | CHF 461.60 | View |
| Vivao Sympany | CHF 465.50 | View |
| Helsana | CHF 472.00 | View |
| Luzerner Hinterland | CHF 472.40 | View |
| Avenir | CHF 475.40 | View |
| CONCORDIA | CHF 476.00 | View |
| Assura-Basis | CHF 478.80 | View |
| ÖKK | CHF 481.40 | View |
| sana24 | CHF 484.50 | View |
| EGK | CHF 491.60 | View |
| Galenos | CHF 495.30 | View |
| Agrisano | CHF 496.20 | View |
| SWICA | CHF 496.70 | View |
| KPT | CHF 498.70 | View |
| Aquilana | CHF 500.60 | View |
| Sumiswalder | CHF 504.50 | View |
| SLKK | CHF 508.90 | View |
| Philos | CHF 510.70 | View |
| Visana | CHF 529.70 | View |
| vita surselva | CHF 543.40 | View |
| rhenusana | CHF 547.90 | View |
| Mutuel | CHF 560.60 | View |
| Einsiedler | CHF 575.25 | View |
Source: Federal Office of Public Health (FOPH), official premiums.