EGK — Region 1 of canton Lucerne, 2026 premiums
EGK covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 339.70 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
EGK ranks 12 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 EGK to Atupri, the cheapest insurer in this region, saves CHF 480.00 a year for an adult on the same profile.
The full EGK table
144 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 560.80 | CHF 502.00 | CHF 491.60 |
| 500 | CHF 549.20 | CHF 490.40 | CHF 480.00 |
| 1'000 | CHF 520.00 | CHF 461.20 | CHF 450.80 |
| 1'500 | CHF 490.80 | CHF 432.00 | CHF 421.60 |
| 2'000 | CHF 461.70 | CHF 402.90 | CHF 392.50 |
| 2'500 | CHF 432.50 | CHF 373.70 | CHF 363.30 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 420.60 | CHF 387.00 | CHF 387.00 |
| 500 | CHF 409.00 | CHF 375.40 | CHF 375.40 |
| 1'000 | CHF 379.80 | CHF 346.20 | CHF 346.20 |
| 1'500 | CHF 350.60 | CHF 317.00 | CHF 317.00 |
| 2'000 | CHF 321.50 | CHF 287.90 | CHF 287.90 |
| 2'500 | CHF 292.30 | CHF 258.70 | CHF 258.70 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 115.20 | CHF 107.40 | CHF 107.40 |
| 100 | CHF 114.20 | CHF 106.50 | CHF 106.50 |
| 200 | CHF 113.20 | CHF 105.50 | CHF 105.50 |
| 300 | CHF 112.20 | CHF 104.50 | CHF 104.50 |
| 400 | CHF 111.20 | CHF 103.50 | CHF 103.50 |
| 500 | CHF 110.20 | CHF 102.50 | CHF 102.50 |
With or without accident cover
With accident cover: CHF 560.80 a month. Without: CHF 524.40. Dropping it saves CHF 436.80 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 464.30 in 2025 to CHF 339.70 — a rise of 5.9 %.
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 |
| CSS | CHF 473.80 | 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 |
| 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.