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Helsana or EGK in Region 2 of canton Lucerne?

In Region 2, EGK is CHF 88.80 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

EGK comes down to CHF 451.20 a month, Helsana to CHF 458.60. The gap is CHF 88.80 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 EGK is worth CHF 306.00 more a year. Agrisano

Where they stand in the region

Helsana ranks 15 and EGK ranks 9, 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.

DeductibleHelsanaEGKGap
300CHF 546.00CHF 521.60+ 24.40
500CHF 534.40CHF 509.90+ 24.50
1'000CHF 505.20CHF 480.80+ 24.40
1'500CHF 476.00CHF 451.60+ 24.40
2'000CHF 446.90CHF 422.40+ 24.50
2'500CHF 417.70CHF 393.30+ 24.40

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelHelsanaEGK
Other modelCHF 458.60CHF 451.20
Family doctorCHF 458.60CHF 466.90
Free choice of doctorCHF 546.00CHF 521.60

How they moved in this region

Against 2025, Helsana moves by + 5.4 % and EGK by + 7.0 % in this region.

Helsana, EGK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.