Helsana or EGK in Region 3 of canton Lucerne?

In Region 3, EGK is CHF 52.80 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 445.80 a month, Helsana to CHF 450.20. The gap is CHF 52.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to EGK is worth CHF 378.00 more a year. Agrisano

Helsana ranks 18 and EGK ranks 13, out of 25 active insurers in this region.

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	EGK	Gap
300	CHF 536.00	CHF 500.80	+ 35.20
500	CHF 524.40	CHF 489.10	+ 35.30
1'000	CHF 495.20	CHF 460.00	+ 35.20
1'500	CHF 466.00	CHF 430.80	+ 35.20
2'000	CHF 436.90	CHF 401.60	+ 35.30
2'500	CHF 407.70	CHF 372.50	+ 35.20

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

Against 2025, Helsana moves by + 4.7 % and EGK by + 7.1 % in this region.

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