Helsana or Sanitas in Region 3 of canton Lucerne?
In Region 3, Sanitas is CHF 248.40 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 429.50 a month, Helsana to CHF 450.20. The gap is CHF 248.40 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 Sanitas is worth CHF 182.40 more a year. Agrisano
Where they stand in the region
Helsana ranks 18 and Sanitas ranks 3, 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 536.00 | CHF 493.70 | + 42.30 |
| 500 | CHF 524.40 | CHF 482.10 | + 42.30 |
| 1'000 | CHF 495.20 | CHF 452.90 | + 42.30 |
| 1'500 | CHF 466.00 | CHF 423.70 | + 42.30 |
| 2'000 | CHF 436.90 | CHF 394.60 | + 42.30 |
| 2'500 | CHF 407.70 | CHF 365.40 | + 42.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Sanitas |
|---|---|---|
| Other model | CHF 450.20 | CHF 444.40 |
| Family doctor | CHF 460.90 | CHF 429.50 |
| Free choice of doctor | CHF 536.00 | CHF 493.70 |
| HMO practice | — | CHF 449.30 |
How they moved in this region
Against 2025, Helsana moves by + 4.7 % and Sanitas by + 4.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.