Helsana or Visana in Region 3 of canton Lucerne?
In Region 3, Helsana is CHF 421.20 a year cheaper than Visana 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 450.20 a month, Visana to CHF 485.30. The gap is CHF 421.20 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 Helsana is worth CHF 430.80 more a year. Agrisano
Where they stand in the region
Helsana ranks 18 and Visana ranks 22, 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 | Visana | Gap |
|---|---|---|---|
| 300 | CHF 536.00 | CHF 561.00 | − 25.00 |
| 500 | CHF 524.40 | CHF 554.30 | − 29.90 |
| 1'000 | CHF 495.20 | CHF 520.20 | − 25.00 |
| 1'500 | CHF 466.00 | CHF 491.00 | − 25.00 |
| 2'000 | CHF 436.90 | CHF 461.80 | − 24.90 |
| 2'500 | CHF 407.70 | CHF 432.70 | − 25.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Visana |
|---|---|---|
| Other model | CHF 450.20 | CHF 493.70 |
| Family doctor | CHF 460.90 | CHF 488.10 |
| Free choice of doctor | CHF 536.00 | CHF 561.00 |
| HMO practice | — | CHF 485.30 |
How they moved in this region
Against 2025, Helsana moves by + 4.7 % and Visana by − 1.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.