Helsana or SWICA in Region 2 of canton Lucerne?
In Region 2, Helsana is CHF 216.00 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 458.60 a month, SWICA to CHF 476.60. The gap is CHF 216.00 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 Helsana is worth CHF 394.80 more a year. Agrisano
Where they stand in the region
Helsana ranks 15 and SWICA ranks 19, 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 546.00 | CHF 550.90 | − 4.90 |
| 500 | CHF 534.40 | CHF 539.30 | − 4.90 |
| 1'000 | CHF 505.20 | CHF 510.10 | − 4.90 |
| 1'500 | CHF 476.00 | CHF 480.90 | − 4.90 |
| 2'000 | CHF 446.90 | CHF 451.80 | − 4.90 |
| 2'500 | CHF 417.70 | CHF 422.60 | − 4.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | SWICA |
|---|---|---|
| Other model | CHF 458.60 | CHF 512.40 |
| Family doctor | CHF 458.60 | CHF 482.10 |
| Free choice of doctor | CHF 546.00 | CHF 550.90 |
| HMO practice | — | CHF 476.60 |
How they moved in this region
Against 2025, Helsana moves by + 5.4 % and SWICA by + 1.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.