Helsana or Sanitas in Region 1 of canton Lucerne?
In Region 1, Sanitas is CHF 124.80 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
Sanitas comes down to CHF 461.60 a month, Helsana to CHF 472.00. The gap is CHF 124.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to Sanitas is worth CHF 120.00 more a year. Atupri
Where they stand in the region
Helsana ranks 4 and Sanitas ranks 2, 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 562.00 | CHF 530.60 | + 31.40 |
| 500 | CHF 550.40 | CHF 519.00 | + 31.40 |
| 1'000 | CHF 521.20 | CHF 489.80 | + 31.40 |
| 1'500 | CHF 492.00 | CHF 460.60 | + 31.40 |
| 2'000 | CHF 462.90 | CHF 431.50 | + 31.40 |
| 2'500 | CHF 433.70 | CHF 402.30 | + 31.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Sanitas |
|---|---|---|
| Other model | CHF 472.00 | CHF 461.70 |
| Family doctor | CHF 472.00 | CHF 461.60 |
| Free choice of doctor | CHF 562.00 | CHF 530.60 |
| HMO practice | — | CHF 482.90 |
How they moved in this region
Against 2025, Helsana moves by + 4.6 % and Sanitas by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.