Helsana or SWICA in Region 1 of canton Lucerne?
In Region 1, Helsana is CHF 296.40 a year cheaper than SWICA for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Helsana comes down to CHF 472.00 a month, SWICA to CHF 496.70. The gap is CHF 296.40 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 Helsana is worth CHF 244.80 more a year. Atupri
Where they stand in the region
Helsana ranks 4 and SWICA ranks 15, 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 | SWICA | Gap |
|---|---|---|---|
| 300 | CHF 562.00 | CHF 580.90 | − 18.90 |
| 500 | CHF 550.40 | CHF 569.30 | − 18.90 |
| 1'000 | CHF 521.20 | CHF 540.10 | − 18.90 |
| 1'500 | CHF 492.00 | CHF 510.90 | − 18.90 |
| 2'000 | CHF 462.90 | CHF 481.80 | − 18.90 |
| 2'500 | CHF 433.70 | CHF 452.60 | − 18.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | SWICA |
|---|---|---|
| Other model | CHF 472.00 | CHF 528.70 |
| Family doctor | CHF 472.00 | CHF 505.40 |
| Free choice of doctor | CHF 562.00 | CHF 580.90 |
| HMO practice | — | CHF 496.70 |
How they moved in this region
Against 2025, Helsana moves by + 4.6 % and SWICA by + 1.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.