CSS — Region 2 of canton Lucerne, 2026 premiums
CSS covers the 19 municipalities of Region 2 in canton Lucerne. Its lowest adult premium here is CHF 291.50 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
CSS ranks 3 out of 25 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 464.78 a month.
What staying costs
Moving from CSS to Agrisano, the cheapest insurer in this region, saves CHF 192.00 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 529.00 | CHF 441.70 | CHF 478.70 |
| 500 | CHF 517.40 | CHF 430.10 | CHF 467.10 |
| 1'000 | CHF 488.20 | CHF 400.90 | CHF 437.90 |
| 1'500 | CHF 459.00 | CHF 371.70 | CHF 408.70 |
| 2'000 | CHF 429.90 | CHF 342.60 | CHF 379.60 |
| 2'500 | CHF 400.70 | CHF 313.40 | CHF 362.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 349.10 | CHF 322.50 | CHF 349.10 |
| 500 | CHF 337.50 | CHF 310.90 | CHF 337.50 |
| 1'000 | CHF 308.30 | CHF 281.70 | CHF 308.30 |
| 1'500 | CHF 279.10 | CHF 252.50 | CHF 279.10 |
| 2'000 | CHF 250.00 | CHF 223.40 | CHF 250.00 |
| 2'500 | CHF 220.80 | CHF 194.20 | CHF 220.80 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 116.40 | CHF 101.60 | CHF 105.30 |
| 100 | CHF 110.60 | CHF 95.80 | CHF 99.50 |
| 200 | CHF 104.80 | CHF 90.00 | CHF 93.70 |
| 300 | CHF 98.90 | CHF 84.10 | CHF 87.80 |
| 400 | CHF 93.10 | CHF 78.30 | CHF 82.00 |
| 600 | CHF 81.40 | CHF 66.60 | CHF 70.30 |
With or without accident cover
With accident cover: CHF 529.00 a month. Without: CHF 492.00. Dropping it saves CHF 444.00 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 431.80 in 2025 to CHF 291.50 — a rise of 2.3 %.
The 19 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Lucerne, not to the municipality.
Adligenswil · Buchrain · Dierikon · Eich · Malters · Meggen · Meierskappel · Neuenkirch · Nottwil · Oberkirch · Root · Rothenburg · Ruswil · Schenkon · Sempach · Sursee · Udligenswil · Werthenstein · Wolhusen
The other insurers in Region 2
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 425.70 | View |
| Luzerner Hinterland | CHF 440.45 | View |
| Sanitas | CHF 443.60 | View |
| sana24 | CHF 445.10 | View |
| Vivao Sympany | CHF 445.50 | View |
| KPT | CHF 446.90 | View |
| CONCORDIA | CHF 447.40 | View |
| EGK | CHF 451.20 | View |
| Atupri | CHF 455.70 | View |
| Avenir | CHF 456.40 | View |
| Assura-Basis | CHF 456.60 | View |
| SLKK | CHF 458.00 | View |
| ÖKK | CHF 458.50 | View |
| Helsana | CHF 458.60 | View |
| Galenos | CHF 464.50 | View |
| Sumiswalder | CHF 464.60 | View |
| Aquilana | CHF 468.20 | View |
| SWICA | CHF 476.60 | View |
| Philos | CHF 485.20 | View |
| Visana | CHF 485.30 | View |
| rhenusana | CHF 498.60 | View |
| vita surselva | CHF 505.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 526.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.