Helsana — Region 3 of canton Lucerne, 2026 premiums
Helsana covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 299.40 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Helsana ranks 18 out of 25 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 451.29 a month.
What staying costs
Moving from Helsana to Agrisano, the cheapest insurer in this region, saves CHF 430.80 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 536.00 | CHF 460.90 | CHF 450.20 |
| 500 | CHF 524.40 | CHF 449.30 | CHF 438.60 |
| 1'000 | CHF 495.20 | CHF 420.10 | CHF 409.40 |
| 1'500 | CHF 466.00 | CHF 390.90 | CHF 380.20 |
| 2'000 | CHF 436.90 | CHF 361.80 | CHF 351.10 |
| 2'500 | CHF 407.70 | CHF 332.60 | CHF 321.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 428.80 | CHF 368.70 | CHF 360.10 |
| 500 | CHF 417.20 | CHF 357.10 | CHF 348.50 |
| 1'000 | CHF 388.00 | CHF 327.90 | CHF 319.30 |
| 1'500 | CHF 358.80 | CHF 298.70 | CHF 290.10 |
| 2'000 | CHF 329.70 | CHF 269.60 | CHF 261.00 |
| 2'500 | CHF 300.50 | CHF 240.40 | CHF 231.80 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 123.20 | CHF 105.90 | CHF 103.40 |
| 500 | CHF 94.10 | CHF 76.80 | CHF 74.30 |
With or without accident cover
With accident cover: CHF 536.00 a month. Without: CHF 498.50. Dropping it saves CHF 450.00 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 429.90 in 2025 to CHF 299.40 — a rise of 4.7 %.
The 55 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Lucerne, not to the municipality.
Aesch (LU) · Alberswil · Altbüron · Altishofen · Ballwil · Beromünster · Buttisholz · Büron · Dagmersellen · Doppleschwand · Egolzwil · Entlebuch · Ermensee · Eschenbach (LU) · Escholzmatt-Marbach · Ettiswil · Fischbach · Flühli · Geuensee · Gisikon · Greppen · Grossdietwil · Grosswangen · Hasle (LU) · Hergiswil bei Willisau · Hildisrieden · Hitzkirch · Hochdorf · Hohenrain · Inwil · Knutwil · Luthern · Mauensee · Menznau · Nebikon · Pfaffnau · Rain · Reiden · Rickenbach (LU) · Roggliswil · Romoos · Römerswil · Schlierbach · Schongau · Schwarzenberg · Schötz · Schüpfheim · Triengen · Ufhusen · Vitznau · Wauwil · Weggis · Wikon · Willisau · Zell (LU)
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 414.30 | View |
| Luzerner Hinterland | CHF 425.65 | View |
| Sanitas | CHF 429.50 | View |
| KPT | CHF 430.10 | View |
| Vivao Sympany | CHF 431.20 | View |
| sana24 | CHF 432.00 | View |
| CONCORDIA | CHF 435.20 | View |
| SWICA | CHF 437.40 | View |
| CSS | CHF 438.60 | View |
| Atupri | CHF 440.20 | View |
| Assura-Basis | CHF 440.20 | View |
| SLKK | CHF 442.70 | View |
| EGK | CHF 445.80 | View |
| ÖKK | CHF 446.20 | View |
| Galenos | CHF 446.30 | View |
| Avenir | CHF 446.90 | View |
| Sumiswalder | CHF 449.70 | View |
| Aquilana | CHF 451.00 | View |
| Philos | CHF 467.30 | View |
| rhenusana | CHF 476.10 | View |
| Visana | CHF 485.30 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 521.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums.