Mutuel or EGK in Region 1 of canton Lucerne?

In Region 1, EGK is CHF 828.00 a year cheaper than Mutuel for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

EGK comes down to CHF 491.60 a month, Mutuel to CHF 560.60. The gap is CHF 828.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to EGK is worth CHF 480.00 more a year. Atupri

Mutuel ranks 24 and EGK ranks 12, out of 25 active insurers in this region.

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	Mutuel	EGK	Gap
300	CHF 640.60	CHF 560.80	+ 79.80
500	CHF 629.10	CHF 549.20	+ 79.90
1'000	CHF 600.10	CHF 520.00	+ 80.10
1'500	CHF 570.60	CHF 490.80	+ 79.80
2'000	CHF 541.60	CHF 461.70	+ 79.90
2'500	CHF 512.60	CHF 432.50	+ 80.10

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, Mutuel moves by + 8.0 % and EGK by + 5.9 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.