EGK — Region 3 of canton Lucerne, 2026 premiums
EGK covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 296.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
EGK ranks 13 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 EGK to Agrisano, the cheapest insurer in this region, saves CHF 378.00 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 500.80 | CHF 455.80 | CHF 445.80 |
| 500 | CHF 489.10 | CHF 444.20 | CHF 434.20 |
| 1'000 | CHF 460.00 | CHF 415.00 | CHF 405.00 |
| 1'500 | CHF 430.80 | CHF 385.80 | CHF 375.80 |
| 2'000 | CHF 401.60 | CHF 356.70 | CHF 346.70 |
| 2'500 | CHF 372.50 | CHF 327.50 | CHF 317.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 375.60 | CHF 356.90 | CHF 356.90 |
| 500 | CHF 364.00 | CHF 345.30 | CHF 345.30 |
| 1'000 | CHF 334.80 | CHF 316.10 | CHF 316.10 |
| 1'500 | CHF 305.60 | CHF 286.90 | CHF 286.90 |
| 2'000 | CHF 276.50 | CHF 257.80 | CHF 257.80 |
| 2'500 | CHF 247.30 | CHF 228.60 | CHF 228.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 102.90 | CHF 90.70 | CHF 91.30 |
| 100 | CHF 101.90 | CHF 89.80 | CHF 90.40 |
| 200 | CHF 100.90 | CHF 88.80 | CHF 89.40 |
| 300 | CHF 99.90 | CHF 87.80 | CHF 88.40 |
| 400 | CHF 98.90 | CHF 86.80 | CHF 87.40 |
| 500 | CHF 97.90 | CHF 85.80 | CHF 86.40 |
With or without accident cover
With accident cover: CHF 500.80 a month. Without: CHF 468.30. Dropping it saves CHF 390.00 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 416.20 in 2025 to CHF 296.90 — a rise of 7.1 %.
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 |
| CSS | CHF 438.60 | View |
| Atupri | CHF 440.20 | View |
| Assura-Basis | CHF 440.20 | View |
| SLKK | CHF 442.70 | 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.