CSS — Region 3 of canton Lucerne, 2026 premiums
CSS covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 288.50 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
CSS ranks 9 out of 25 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 451.29 a month.
What staying costs
Moving from CSS to Agrisano, the cheapest insurer in this region, saves CHF 291.60 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 507.00 | CHF 438.60 | CHF 458.80 |
| 500 | CHF 495.40 | CHF 427.00 | CHF 447.20 |
| 1'000 | CHF 466.20 | CHF 397.80 | CHF 418.00 |
| 1'500 | CHF 437.00 | CHF 368.60 | CHF 388.80 |
| 2'000 | CHF 407.90 | CHF 339.50 | CHF 359.70 |
| 2'500 | CHF 378.70 | CHF 310.30 | CHF 342.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 334.60 | CHF 311.40 | CHF 334.60 |
| 500 | CHF 323.00 | CHF 299.80 | CHF 323.00 |
| 1'000 | CHF 293.80 | CHF 270.60 | CHF 293.80 |
| 1'500 | CHF 264.60 | CHF 241.40 | CHF 264.60 |
| 2'000 | CHF 235.50 | CHF 212.30 | CHF 235.50 |
| 2'500 | CHF 206.30 | CHF 183.10 | CHF 206.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 111.50 | CHF 96.50 | CHF 100.90 |
| 100 | CHF 105.70 | CHF 90.70 | CHF 95.10 |
| 200 | CHF 99.90 | CHF 84.90 | CHF 89.30 |
| 300 | CHF 94.00 | CHF 79.00 | CHF 83.40 |
| 400 | CHF 88.20 | CHF 73.20 | CHF 77.60 |
| 600 | CHF 76.50 | CHF 61.50 | CHF 65.90 |
With or without accident cover
With accident cover: CHF 507.00 a month. Without: CHF 471.50. Dropping it saves CHF 426.00 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 415.00 in 2025 to CHF 288.50 — a rise of 5.7 %.
The 55 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Lucerne, not to the municipality.
Aesch (LU) · Alberswil · Altbüron · Altishofen · Ballwil · Beromünster · Buttisholz · Büron · Dagmersellen · Doppleschwand · Egolzwil · Entlebuch · Ermensee · Eschenbach (LU) · Escholzmatt-Marbach · Ettiswil · Fischbach · Flühli · Geuensee · Gisikon · Greppen · Grossdietwil · Grosswangen · Hasle (LU) · Hergiswil bei Willisau · Hildisrieden · Hitzkirch · Hochdorf · Hohenrain · Inwil · Knutwil · Luthern · Mauensee · Menznau · Nebikon · Pfaffnau · Rain · Reiden · Rickenbach (LU) · Roggliswil · Romoos · Römerswil · Schlierbach · Schongau · Schwarzenberg · Schötz · Schüpfheim · Triengen · Ufhusen · Vitznau · Wauwil · Weggis · Wikon · Willisau · Zell (LU)
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 414.30 | View |
| Luzerner Hinterland | CHF 425.65 | View |
| Sanitas | CHF 429.50 | View |
| KPT | CHF 430.10 | View |
| Vivao Sympany | CHF 431.20 | View |
| sana24 | CHF 432.00 | View |
| CONCORDIA | CHF 435.20 | View |
| SWICA | CHF 437.40 | View |
| Atupri | CHF 440.20 | View |
| Assura-Basis | CHF 440.20 | View |
| SLKK | CHF 442.70 | View |
| EGK | CHF 445.80 | View |
| ÖKK | CHF 446.20 | View |
| Galenos | CHF 446.30 | View |
| Avenir | CHF 446.90 | View |
| Sumiswalder | CHF 449.70 | View |
| Helsana | CHF 450.20 | View |
| Aquilana | CHF 451.00 | View |
| Philos | CHF 467.30 | View |
| rhenusana | CHF 476.10 | View |
| Visana | CHF 485.30 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 521.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums.