Helsana — Region 2 of canton Lucerne, 2026 premiums
Helsana covers the 19 municipalities of Region 2 in canton Lucerne. Its lowest adult premium here is CHF 307.20 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Helsana ranks 15 out of 25 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 464.78 a month.
What staying costs
Moving from Helsana to Agrisano, the cheapest insurer in this region, saves CHF 394.80 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 546.00 | CHF 458.60 | CHF 458.60 |
| 500 | CHF 534.40 | CHF 447.00 | CHF 447.00 |
| 1'000 | CHF 505.20 | CHF 417.80 | CHF 417.80 |
| 1'500 | CHF 476.00 | CHF 388.60 | CHF 388.60 |
| 2'000 | CHF 446.90 | CHF 359.50 | CHF 359.50 |
| 2'500 | CHF 417.70 | CHF 330.30 | CHF 330.30 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 436.80 | CHF 366.90 | CHF 366.90 |
| 500 | CHF 425.20 | CHF 355.30 | CHF 355.30 |
| 1'000 | CHF 396.00 | CHF 326.10 | CHF 326.10 |
| 1'500 | CHF 366.80 | CHF 296.90 | CHF 296.90 |
| 2'000 | CHF 337.70 | CHF 267.80 | CHF 267.80 |
| 2'500 | CHF 308.50 | CHF 238.60 | CHF 238.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 125.50 | CHF 105.40 | CHF 105.40 |
| 500 | CHF 96.40 | CHF 76.30 | CHF 76.30 |
With or without accident cover
With accident cover: CHF 546.00 a month. Without: CHF 507.80. Dropping it saves CHF 458.40 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 434.90 in 2025 to CHF 307.20 — a rise of 5.4 %.
The 19 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Lucerne, not to the municipality.
Adligenswil · Buchrain · Dierikon · Eich · Malters · Meggen · Meierskappel · Neuenkirch · Nottwil · Oberkirch · Root · Rothenburg · Ruswil · Schenkon · Sempach · Sursee · Udligenswil · Werthenstein · Wolhusen
The other insurers in Region 2
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 425.70 | View |
| Luzerner Hinterland | CHF 440.45 | View |
| CSS | CHF 441.70 | View |
| Sanitas | CHF 443.60 | View |
| sana24 | CHF 445.10 | View |
| Vivao Sympany | CHF 445.50 | View |
| KPT | CHF 446.90 | View |
| CONCORDIA | CHF 447.40 | View |
| EGK | CHF 451.20 | View |
| Atupri | CHF 455.70 | View |
| Avenir | CHF 456.40 | View |
| Assura-Basis | CHF 456.60 | View |
| SLKK | CHF 458.00 | View |
| ÖKK | CHF 458.50 | View |
| Galenos | CHF 464.50 | View |
| Sumiswalder | CHF 464.60 | View |
| Aquilana | CHF 468.20 | View |
| SWICA | CHF 476.60 | View |
| Philos | CHF 485.20 | View |
| Visana | CHF 485.30 | View |
| rhenusana | CHF 498.60 | View |
| vita surselva | CHF 505.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 526.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.