Helsana or Sanitas in Region 2 of canton Lucerne?
In Region 2, Sanitas 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
Sanitas comes down to CHF 443.60 a month, Helsana to CHF 458.60. 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 425.70 a month. Moving there rather than to Sanitas is worth CHF 214.80 more a year. Agrisano
Where they stand in the region
Helsana ranks 15 and Sanitas ranks 4, 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 546.00 | CHF 509.90 | + 36.10 |
| 500 | CHF 534.40 | CHF 498.30 | + 36.10 |
| 1'000 | CHF 505.20 | CHF 469.10 | + 36.10 |
| 1'500 | CHF 476.00 | CHF 439.90 | + 36.10 |
| 2'000 | CHF 446.90 | CHF 410.80 | + 36.10 |
| 2'500 | CHF 417.70 | CHF 381.60 | + 36.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Sanitas |
|---|---|---|
| Other model | CHF 458.60 | CHF 459.00 |
| Family doctor | CHF 458.60 | CHF 443.60 |
| Free choice of doctor | CHF 546.00 | CHF 509.90 |
| HMO practice | — | CHF 464.10 |
How they moved in this region
Against 2025, Helsana moves by + 5.4 % and Sanitas by + 4.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.