Galenos — Region 2 of canton Lucerne, 2026 premiums
Galenos covers the 19 municipalities of Region 2 in canton Lucerne. Its lowest adult premium here is CHF 314.20 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Galenos ranks 16 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 Galenos to Agrisano, the cheapest insurer in this region, saves CHF 465.60 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 557.50 | CHF 465.60 | CHF 464.50 | CHF 480.60 |
| 500 | CHF 545.80 | CHF 453.90 | CHF 452.80 | CHF 469.00 |
| 1'000 | CHF 516.70 | CHF 424.70 | CHF 423.60 | CHF 439.80 |
| 1'500 | CHF 487.50 | CHF 395.60 | CHF 394.50 | CHF 410.60 |
| 2'000 | CHF 458.30 | CHF 366.40 | CHF 365.30 | CHF 381.50 |
| 2'500 | CHF 429.20 | CHF 337.20 | CHF 336.10 | CHF 352.30 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 407.10 | CHF 378.20 | CHF 372.10 | CHF 396.10 |
| 500 | CHF 395.40 | CHF 366.50 | CHF 360.40 | CHF 384.40 |
| 1'000 | CHF 366.20 | CHF 337.40 | CHF 331.30 | CHF 355.30 |
| 1'500 | CHF 337.10 | CHF 308.20 | CHF 302.10 | CHF 326.10 |
| 2'000 | CHF 307.90 | CHF 279.00 | CHF 272.90 | CHF 296.90 |
| 2'500 | CHF 278.70 | CHF 249.90 | CHF 243.80 | CHF 267.80 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 56.10 | CHF 50.10 | CHF 48.90 | CHF 55.50 |
| 100 | CHF 52.20 | CHF 46.70 | CHF 45.50 | CHF 51.60 |
| 200 | CHF 48.30 | CHF 43.20 | CHF 42.10 | CHF 47.80 |
| 300 | CHF 44.40 | CHF 39.70 | CHF 38.70 | CHF 43.90 |
| 400 | CHF 40.50 | CHF 36.20 | CHF 35.30 | CHF 40.10 |
| 500 | CHF 36.60 | CHF 32.70 | CHF 31.90 | CHF 36.20 |
| 600 | CHF 32.70 | CHF 30.20 | CHF 30.20 | CHF 32.40 |
With or without accident cover
With accident cover: CHF 557.50 a month. Without: CHF 521.10. 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 460.70 in 2025 to CHF 314.20 — a rise of 0.8 %.
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 |
| CSS | CHF 441.70 | 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 |
| 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.