Mutuel — Region 3 of canton Lucerne, 2026 premiums
Mutuel covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 365.80 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 3, cheapest to dearest.
The regional average across insurers is CHF 451.29 a month.
What staying costs
Moving from Mutuel to Agrisano, the cheapest insurer in this region, saves CHF 1'284.00 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 595.80 | CHF 542.20 | CHF 524.30 | CHF 521.30 |
| 500 | CHF 584.30 | CHF 530.70 | CHF 512.80 | CHF 509.80 |
| 1'000 | CHF 555.30 | CHF 501.70 | CHF 483.80 | CHF 480.80 |
| 1'500 | CHF 525.80 | CHF 472.20 | CHF 454.30 | CHF 451.30 |
| 2'000 | CHF 496.80 | CHF 443.20 | CHF 425.30 | CHF 422.30 |
| 2'500 | CHF 467.80 | CHF 414.20 | CHF 396.30 | CHF 393.30 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 434.50 | CHF 395.40 | CHF 382.40 | CHF 384.60 |
| 500 | CHF 423.00 | CHF 383.90 | CHF 370.90 | CHF 373.10 |
| 1'000 | CHF 394.00 | CHF 354.90 | CHF 341.90 | CHF 344.10 |
| 1'500 | CHF 364.50 | CHF 325.40 | CHF 312.40 | CHF 314.60 |
| 2'000 | CHF 335.50 | CHF 296.40 | CHF 283.40 | CHF 285.60 |
| 2'500 | CHF 306.50 | CHF 267.40 | CHF 254.40 | CHF 256.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 96.30 | CHF 87.60 | CHF 86.70 | CHF 87.20 |
| 100 | CHF 92.00 | CHF 83.30 | CHF 82.30 | CHF 82.80 |
| 200 | CHF 87.60 | CHF 78.90 | CHF 78.00 | CHF 78.50 |
| 300 | CHF 83.20 | CHF 74.50 | CHF 73.60 | CHF 74.00 |
| 400 | CHF 78.80 | CHF 70.20 | CHF 69.20 | CHF 69.70 |
| 500 | CHF 74.50 | CHF 65.80 | CHF 64.90 | CHF 65.30 |
| 600 | CHF 70.10 | CHF 61.40 | CHF 60.40 | CHF 60.90 |
With or without accident cover
With accident cover: CHF 595.80 a month. Without: CHF 554.10. Dropping it saves CHF 500.40 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 482.70 in 2025 to CHF 365.80 — a rise of 8.0 %.
The 55 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Lucerne, not to the municipality.
Aesch (LU) · Alberswil · Altbüron · Altishofen · Ballwil · Beromünster · Buttisholz · Büron · Dagmersellen · Doppleschwand · Egolzwil · Entlebuch · Ermensee · Eschenbach (LU) · Escholzmatt-Marbach · Ettiswil · Fischbach · Flühli · Geuensee · Gisikon · Greppen · Grossdietwil · Grosswangen · Hasle (LU) · Hergiswil bei Willisau · Hildisrieden · Hitzkirch · Hochdorf · Hohenrain · Inwil · Knutwil · Luthern · Mauensee · Menznau · Nebikon · Pfaffnau · Rain · Reiden · Rickenbach (LU) · Roggliswil · Romoos · Römerswil · Schlierbach · Schongau · Schwarzenberg · Schötz · Schüpfheim · Triengen · Ufhusen · Vitznau · Wauwil · Weggis · Wikon · Willisau · Zell (LU)
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 414.30 | View |
| Luzerner Hinterland | CHF 425.65 | View |
| Sanitas | CHF 429.50 | View |
| KPT | CHF 430.10 | View |
| Vivao Sympany | CHF 431.20 | View |
| sana24 | CHF 432.00 | View |
| CONCORDIA | CHF 435.20 | View |
| SWICA | CHF 437.40 | View |
| CSS | CHF 438.60 | View |
| Atupri | CHF 440.20 | View |
| Assura-Basis | CHF 440.20 | View |
| SLKK | CHF 442.70 | View |
| EGK | CHF 445.80 | View |
| ÖKK | CHF 446.20 | View |
| Galenos | CHF 446.30 | View |
| Avenir | CHF 446.90 | View |
| Sumiswalder | CHF 449.70 | View |
| Helsana | CHF 450.20 | View |
| Aquilana | CHF 451.00 | View |
| Philos | CHF 467.30 | View |
| rhenusana | CHF 476.10 | View |
| Visana | CHF 485.30 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler | CHF 512.75 | View |
Source: Federal Office of Public Health (FOPH), official premiums.