Galenos — Region 1 of canton Lucerne, 2026 premiums
Galenos covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 343.00 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Galenos ranks 13 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 Galenos to Atupri, the cheapest insurer in this region, saves CHF 524.40 a year for an adult on the same profile.
The full Galenos table
260 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 | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 591.70 | CHF 514.20 | CHF 511.90 | CHF 495.30 |
| 500 | CHF 580.00 | CHF 502.60 | CHF 500.20 | CHF 483.70 |
| 1'000 | CHF 550.90 | CHF 473.40 | CHF 471.00 | CHF 454.50 |
| 1'500 | CHF 521.70 | CHF 444.20 | CHF 441.90 | CHF 425.30 |
| 2'000 | CHF 492.50 | CHF 415.10 | CHF 412.70 | CHF 396.20 |
| 2'500 | CHF 463.40 | CHF 385.90 | CHF 383.50 | CHF 367.00 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 432.00 | CHF 404.00 | CHF 391.00 | CHF 403.10 |
| 500 | CHF 420.40 | CHF 392.30 | CHF 379.40 | CHF 391.50 |
| 1'000 | CHF 391.20 | CHF 363.20 | CHF 350.20 | CHF 362.30 |
| 1'500 | CHF 362.00 | CHF 334.00 | CHF 321.00 | CHF 333.10 |
| 2'000 | CHF 332.90 | CHF 304.80 | CHF 291.90 | CHF 304.00 |
| 2'500 | CHF 303.70 | CHF 275.70 | CHF 262.70 | CHF 274.80 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 59.50 | CHF 51.10 | CHF 50.20 | CHF 51.00 |
| 100 | CHF 55.40 | CHF 47.50 | CHF 46.70 | CHF 47.40 |
| 200 | CHF 51.30 | CHF 44.00 | CHF 43.20 | CHF 43.90 |
| 300 | CHF 47.10 | CHF 40.40 | CHF 39.70 | CHF 40.30 |
| 400 | CHF 43.00 | CHF 36.90 | CHF 36.20 | CHF 36.80 |
| 500 | CHF 38.80 | CHF 33.30 | CHF 32.80 | CHF 33.30 |
| 600 | CHF 34.70 | CHF 32.00 | CHF 32.00 | CHF 32.00 |
With or without accident cover
With accident cover: CHF 591.70 a month. Without: CHF 553.00. Dropping it saves CHF 464.40 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 507.00 in 2025 to CHF 343.00 — a fall of 2.3 %.
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 |
| EGK | CHF 491.60 | 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.