Galenos — Region 3 of canton Lucerne, 2026 premiums
Galenos covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 297.20 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Galenos ranks 15 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 Galenos to Agrisano, the cheapest insurer in this region, saves CHF 384.00 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 537.60 | CHF 447.40 | CHF 446.30 | CHF 460.80 |
| 500 | CHF 525.90 | CHF 435.70 | CHF 434.60 | CHF 449.10 |
| 1'000 | CHF 496.80 | CHF 406.50 | CHF 405.40 | CHF 419.90 |
| 1'500 | CHF 467.60 | CHF 377.40 | CHF 376.30 | CHF 390.80 |
| 2'000 | CHF 438.40 | CHF 348.20 | CHF 347.10 | CHF 361.60 |
| 2'500 | CHF 409.30 | CHF 319.00 | CHF 317.90 | CHF 332.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 392.60 | CHF 355.30 | CHF 353.30 | CHF 372.60 |
| 500 | CHF 380.90 | CHF 343.60 | CHF 341.70 | CHF 360.90 |
| 1'000 | CHF 351.70 | CHF 314.50 | CHF 312.50 | CHF 331.70 |
| 1'500 | CHF 322.60 | CHF 285.30 | CHF 283.30 | CHF 302.60 |
| 2'000 | CHF 293.40 | CHF 256.10 | CHF 254.20 | CHF 273.40 |
| 2'500 | CHF 264.20 | CHF 227.00 | CHF 225.00 | CHF 244.20 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 54.10 | CHF 43.90 | CHF 43.90 | CHF 47.40 |
| 100 | CHF 50.40 | CHF 40.80 | CHF 40.80 | CHF 44.10 |
| 200 | CHF 46.60 | CHF 37.80 | CHF 37.80 | CHF 40.80 |
| 300 | CHF 42.80 | CHF 34.70 | CHF 34.70 | CHF 37.50 |
| 400 | CHF 39.10 | CHF 31.70 | CHF 31.70 | CHF 34.20 |
| 500 | CHF 35.30 | CHF 29.10 | CHF 29.10 | CHF 31.00 |
| 600 | CHF 31.60 | CHF 29.10 | CHF 29.10 | CHF 29.10 |
With or without accident cover
With accident cover: CHF 537.60 a month. Without: CHF 502.50. Dropping it saves CHF 421.20 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 442.60 in 2025 to CHF 297.20 — a rise of 0.8 %.
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 |
| EGK | CHF 445.80 | View |
| ÖKK | CHF 446.20 | 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.