Helsana or CONCORDIA in Region 3 of canton Lucerne?
In Region 3, CONCORDIA is CHF 180.00 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 435.20 a month, Helsana to CHF 450.20. The gap is CHF 180.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to CONCORDIA is worth CHF 250.80 more a year. Agrisano
Where they stand in the region
Helsana ranks 18 and CONCORDIA ranks 7, 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 536.00 | CHF 509.00 | + 27.00 |
| 500 | CHF 524.40 | CHF 497.40 | + 27.00 |
| 1'000 | CHF 495.20 | CHF 468.20 | + 27.00 |
| 1'500 | CHF 466.00 | CHF 439.00 | + 27.00 |
| 2'000 | CHF 436.90 | CHF 409.90 | + 27.00 |
| 2'500 | CHF 407.70 | CHF 380.70 | + 27.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | CONCORDIA |
|---|---|---|
| Other model | CHF 450.20 | CHF 442.90 |
| Family doctor | CHF 460.90 | CHF 458.10 |
| Free choice of doctor | CHF 536.00 | CHF 509.00 |
| HMO practice | — | CHF 435.20 |
How they moved in this region
Against 2025, Helsana moves by + 4.7 % and CONCORDIA by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.