Helsana or CONCORDIA in Region 2 of canton Lucerne?
In Region 2, CONCORDIA is CHF 134.40 a year cheaper than Helsana for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CONCORDIA comes down to CHF 447.40 a month, Helsana to CHF 458.60. The gap is CHF 134.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to CONCORDIA is worth CHF 260.40 more a year. Agrisano
Where they stand in the region
Helsana ranks 15 and CONCORDIA ranks 8, out of 25 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | Helsana | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 546.00 | CHF 523.20 | + 22.80 |
| 500 | CHF 534.40 | CHF 511.60 | + 22.80 |
| 1'000 | CHF 505.20 | CHF 482.40 | + 22.80 |
| 1'500 | CHF 476.00 | CHF 453.20 | + 22.80 |
| 2'000 | CHF 446.90 | CHF 424.10 | + 22.80 |
| 2'500 | CHF 417.70 | CHF 394.90 | + 22.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | CONCORDIA |
|---|---|---|
| Other model | CHF 458.60 | CHF 455.20 |
| Family doctor | CHF 458.60 | CHF 470.90 |
| Free choice of doctor | CHF 546.00 | CHF 523.20 |
| HMO practice | — | CHF 447.40 |
How they moved in this region
Against 2025, Helsana moves by + 5.4 % and CONCORDIA by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.