Mutuel — Region 1 of canton Lucerne, 2026 premiums
Mutuel covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 402.30 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Mutuel ranks 24 out of 25 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 498.12 a month.
What staying costs
Moving from Mutuel to Atupri, the cheapest insurer in this region, saves CHF 1'308.00 a year for an adult on the same profile.
The full Mutuel table
260 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 | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 640.60 | CHF 583.00 | CHF 563.80 | CHF 560.60 |
| 500 | CHF 629.10 | CHF 571.50 | CHF 552.30 | CHF 549.10 |
| 1'000 | CHF 600.10 | CHF 542.50 | CHF 523.30 | CHF 520.10 |
| 1'500 | CHF 570.60 | CHF 513.00 | CHF 493.80 | CHF 490.60 |
| 2'000 | CHF 541.60 | CHF 484.00 | CHF 464.80 | CHF 461.60 |
| 2'500 | CHF 512.60 | CHF 455.00 | CHF 435.80 | CHF 432.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 467.20 | CHF 425.20 | CHF 411.20 | CHF 413.50 |
| 500 | CHF 455.70 | CHF 413.70 | CHF 399.70 | CHF 402.00 |
| 1'000 | CHF 426.70 | CHF 384.70 | CHF 370.70 | CHF 373.00 |
| 1'500 | CHF 397.20 | CHF 355.20 | CHF 341.20 | CHF 343.50 |
| 2'000 | CHF 368.20 | CHF 326.20 | CHF 312.20 | CHF 314.50 |
| 2'500 | CHF 339.20 | CHF 297.20 | CHF 283.20 | CHF 285.50 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 103.50 | CHF 94.20 | CHF 93.20 | CHF 93.70 |
| 100 | CHF 99.20 | CHF 89.90 | CHF 88.80 | CHF 89.40 |
| 200 | CHF 94.80 | CHF 85.50 | CHF 84.50 | CHF 85.00 |
| 300 | CHF 90.40 | CHF 81.10 | CHF 80.10 | CHF 80.60 |
| 400 | CHF 86.10 | CHF 76.80 | CHF 75.70 | CHF 76.20 |
| 500 | CHF 81.70 | CHF 72.40 | CHF 71.40 | CHF 71.90 |
| 600 | CHF 77.30 | CHF 68.00 | CHF 66.90 | CHF 67.50 |
With or without accident cover
With accident cover: CHF 640.60 a month. Without: CHF 595.80. Dropping it saves CHF 537.60 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 519.00 in 2025 to CHF 402.30 — a rise of 8.0 %.
The 5 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Lucerne, not to the municipality.
The other insurers in Region 1
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Atupri | CHF 451.60 | View |
| Sanitas | CHF 461.60 | View |
| Vivao Sympany | CHF 465.50 | View |
| Helsana | CHF 472.00 | View |
| Luzerner Hinterland | CHF 472.40 | View |
| CSS | CHF 473.80 | View |
| Avenir | CHF 475.40 | View |
| CONCORDIA | CHF 476.00 | View |
| Assura-Basis | CHF 478.80 | View |
| ÖKK | CHF 481.40 | View |
| sana24 | CHF 484.50 | View |
| EGK | CHF 491.60 | View |
| Galenos | CHF 495.30 | View |
| Agrisano | CHF 496.20 | View |
| SWICA | CHF 496.70 | View |
| KPT | CHF 498.70 | View |
| Aquilana | CHF 500.60 | View |
| Sumiswalder | CHF 504.50 | View |
| SLKK | CHF 508.90 | View |
| Philos | CHF 510.70 | View |
| Visana | CHF 529.70 | View |
| vita surselva | CHF 543.40 | View |
| rhenusana | CHF 547.90 | View |
| Einsiedler | CHF 575.25 | View |
Source: Federal Office of Public Health (FOPH), official premiums.