Mutuel — Region 2 of canton Lucerne, 2026 premiums
Mutuel covers the 19 municipalities of Region 2 in canton Lucerne. Its lowest adult premium here is CHF 371.00 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Mutuel ranks 25 out of 25 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 464.78 a month.
What staying costs
Moving from Mutuel to Agrisano, the cheapest insurer in this region, saves CHF 1'214.40 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 602.20 | CHF 548.00 | CHF 530.00 | CHF 526.90 |
| 500 | CHF 590.70 | CHF 536.50 | CHF 518.50 | CHF 515.40 |
| 1'000 | CHF 561.70 | CHF 507.50 | CHF 489.50 | CHF 486.40 |
| 1'500 | CHF 532.20 | CHF 478.00 | CHF 460.00 | CHF 456.90 |
| 2'000 | CHF 503.20 | CHF 449.00 | CHF 431.00 | CHF 427.90 |
| 2'500 | CHF 474.20 | CHF 420.00 | CHF 402.00 | CHF 398.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 439.20 | CHF 399.70 | CHF 386.50 | CHF 388.70 |
| 500 | CHF 427.70 | CHF 388.20 | CHF 375.00 | CHF 377.20 |
| 1'000 | CHF 398.70 | CHF 359.20 | CHF 346.00 | CHF 348.20 |
| 1'500 | CHF 369.20 | CHF 329.70 | CHF 316.50 | CHF 318.70 |
| 2'000 | CHF 340.20 | CHF 300.70 | CHF 287.50 | CHF 289.70 |
| 2'500 | CHF 311.20 | CHF 271.70 | CHF 258.50 | CHF 260.70 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 97.30 | CHF 88.60 | CHF 87.60 | CHF 88.10 |
| 100 | CHF 93.00 | CHF 84.20 | CHF 83.30 | CHF 83.70 |
| 200 | CHF 88.60 | CHF 79.90 | CHF 78.90 | CHF 79.40 |
| 300 | CHF 84.20 | CHF 75.50 | CHF 74.50 | CHF 75.00 |
| 400 | CHF 79.90 | CHF 71.10 | CHF 70.10 | CHF 70.60 |
| 500 | CHF 75.50 | CHF 66.80 | CHF 65.80 | CHF 66.30 |
| 600 | CHF 71.10 | CHF 62.30 | CHF 61.40 | CHF 61.80 |
With or without accident cover
With accident cover: CHF 602.20 a month. Without: CHF 560.10. Dropping it saves CHF 505.20 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 487.90 in 2025 to CHF 371.00 — a rise of 8.0 %.
The 19 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Lucerne, not to the municipality.
Adligenswil · Buchrain · Dierikon · Eich · Malters · Meggen · Meierskappel · Neuenkirch · Nottwil · Oberkirch · Root · Rothenburg · Ruswil · Schenkon · Sempach · Sursee · Udligenswil · Werthenstein · Wolhusen
The other insurers in Region 2
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 425.70 | View |
| Luzerner Hinterland | CHF 440.45 | View |
| CSS | CHF 441.70 | View |
| Sanitas | CHF 443.60 | View |
| sana24 | CHF 445.10 | View |
| Vivao Sympany | CHF 445.50 | View |
| KPT | CHF 446.90 | View |
| CONCORDIA | CHF 447.40 | View |
| EGK | CHF 451.20 | View |
| Atupri | CHF 455.70 | View |
| Avenir | CHF 456.40 | View |
| Assura-Basis | CHF 456.60 | View |
| SLKK | CHF 458.00 | View |
| ÖKK | CHF 458.50 | View |
| Helsana | CHF 458.60 | View |
| Galenos | CHF 464.50 | View |
| Sumiswalder | CHF 464.60 | View |
| Aquilana | CHF 468.20 | View |
| SWICA | CHF 476.60 | View |
| Philos | CHF 485.20 | View |
| Visana | CHF 485.30 | View |
| rhenusana | CHF 498.60 | View |
| vita surselva | CHF 505.40 | View |
| Einsiedler | CHF 512.75 | View |
Source: Federal Office of Public Health (FOPH), official premiums.