Mutuel or EGK in Region 3 of canton Lucerne?
In Region 3, EGK is CHF 906.00 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 445.80 a month, Mutuel to CHF 521.30. The gap is CHF 906.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to EGK is worth CHF 378.00 more a year. Agrisano
Where they stand in the region
Mutuel ranks 25 and EGK ranks 13, 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 595.80 | CHF 500.80 | + 95.00 |
| 500 | CHF 584.30 | CHF 489.10 | + 95.20 |
| 1'000 | CHF 555.30 | CHF 460.00 | + 95.30 |
| 1'500 | CHF 525.80 | CHF 430.80 | + 95.00 |
| 2'000 | CHF 496.80 | CHF 401.60 | + 95.20 |
| 2'500 | CHF 467.80 | CHF 372.50 | + 95.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | EGK |
|---|---|---|
| Other model | CHF 521.30 | CHF 445.80 |
| HMO practice | CHF 524.30 | — |
| Family doctor | CHF 542.20 | CHF 455.80 |
| Free choice of doctor | CHF 595.80 | CHF 500.80 |
How they moved in this region
Against 2025, Mutuel moves by + 8.0 % and EGK by + 7.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.