Mutuel or EGK in Region 2 of canton Lucerne?
In Region 2, EGK is CHF 908.40 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 451.20 a month, Mutuel to CHF 526.90. The gap is CHF 908.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to EGK is worth CHF 306.00 more a year. Agrisano
Where they stand in the region
Mutuel ranks 25 and EGK ranks 9, 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 | Mutuel | EGK | Gap |
|---|---|---|---|
| 300 | CHF 602.20 | CHF 521.60 | + 80.60 |
| 500 | CHF 590.70 | CHF 509.90 | + 80.80 |
| 1'000 | CHF 561.70 | CHF 480.80 | + 80.90 |
| 1'500 | CHF 532.20 | CHF 451.60 | + 80.60 |
| 2'000 | CHF 503.20 | CHF 422.40 | + 80.80 |
| 2'500 | CHF 474.20 | CHF 393.30 | + 80.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | EGK |
|---|---|---|
| Other model | CHF 526.90 | CHF 451.20 |
| HMO practice | CHF 530.00 | — |
| Family doctor | CHF 548.00 | CHF 466.90 |
| Free choice of doctor | CHF 602.20 | CHF 521.60 |
How they moved in this region
Against 2025, Mutuel moves by + 8.0 % and EGK by + 7.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.