Helsana — Region 1 of canton Lucerne, 2026 premiums
Helsana covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 319.70 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Helsana ranks 4 out of 25 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 498.12 a month.
What staying costs
Moving from Helsana to Atupri, the cheapest insurer in this region, saves CHF 244.80 a year for an adult on the same profile.
The full Helsana table
252 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 562.00 | CHF 472.00 | CHF 472.00 |
| 500 | CHF 550.40 | CHF 460.40 | CHF 460.40 |
| 1'000 | CHF 521.20 | CHF 431.20 | CHF 431.20 |
| 1'500 | CHF 492.00 | CHF 402.00 | CHF 402.00 |
| 2'000 | CHF 462.90 | CHF 372.90 | CHF 372.90 |
| 2'500 | CHF 433.70 | CHF 343.70 | CHF 343.70 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 449.60 | CHF 377.60 | CHF 377.60 |
| 500 | CHF 438.00 | CHF 366.00 | CHF 366.00 |
| 1'000 | CHF 408.80 | CHF 336.80 | CHF 336.80 |
| 1'500 | CHF 379.60 | CHF 307.60 | CHF 307.60 |
| 2'000 | CHF 350.50 | CHF 278.50 | CHF 278.50 |
| 2'500 | CHF 321.30 | CHF 249.30 | CHF 249.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 129.20 | CHF 108.50 | CHF 108.50 |
| 500 | CHF 100.10 | CHF 79.40 | CHF 79.40 |
With or without accident cover
With accident cover: CHF 562.00 a month. Without: CHF 522.70. Dropping it saves CHF 471.60 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 451.30 in 2025 to CHF 319.70 — a rise of 4.6 %.
The 5 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Lucerne, not to the municipality.
The other insurers in Region 1
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Atupri | CHF 451.60 | View |
| Sanitas | CHF 461.60 | View |
| Vivao Sympany | CHF 465.50 | View |
| Luzerner Hinterland | CHF 472.40 | View |
| CSS | CHF 473.80 | View |
| Avenir | CHF 475.40 | View |
| CONCORDIA | CHF 476.00 | View |
| Assura-Basis | CHF 478.80 | View |
| ÖKK | CHF 481.40 | View |
| sana24 | CHF 484.50 | View |
| EGK | CHF 491.60 | View |
| Galenos | CHF 495.30 | View |
| Agrisano | CHF 496.20 | View |
| SWICA | CHF 496.70 | View |
| KPT | CHF 498.70 | View |
| Aquilana | CHF 500.60 | View |
| Sumiswalder | CHF 504.50 | View |
| SLKK | CHF 508.90 | View |
| Philos | CHF 510.70 | View |
| Visana | CHF 529.70 | View |
| vita surselva | CHF 543.40 | View |
| rhenusana | CHF 547.90 | View |
| Mutuel | CHF 560.60 | View |
| Einsiedler | CHF 575.25 | View |
Source: Federal Office of Public Health (FOPH), official premiums.