Helsana or SWICA in Region 3 of canton Lucerne?
In Region 3, SWICA is CHF 153.60 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
SWICA comes down to CHF 437.40 a month, Helsana to CHF 450.20. The gap is CHF 153.60 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 SWICA is worth CHF 277.20 more a year. Agrisano
Where they stand in the region
Helsana ranks 18 and SWICA ranks 8, 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 536.00 | CHF 523.80 | + 12.20 |
| 500 | CHF 524.40 | CHF 512.20 | + 12.20 |
| 1'000 | CHF 495.20 | CHF 483.00 | + 12.20 |
| 1'500 | CHF 466.00 | CHF 453.80 | + 12.20 |
| 2'000 | CHF 436.90 | CHF 424.70 | + 12.20 |
| 2'500 | CHF 407.70 | CHF 395.50 | + 12.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | SWICA |
|---|---|---|
| Other model | CHF 450.20 | CHF 476.70 |
| Family doctor | CHF 460.90 | CHF 442.70 |
| Free choice of doctor | CHF 536.00 | CHF 523.80 |
| HMO practice | — | CHF 437.40 |
How they moved in this region
Against 2025, Helsana moves by + 4.7 % and SWICA by + 1.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.