Philos — Region 1 of canton Lucerne, 2026 premiums
Philos covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 355.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Philos ranks 20 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 Philos to Atupri, the cheapest insurer in this region, saves CHF 709.20 a year for an adult on the same profile.
The full Philos 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 593.80 | CHF 531.50 | CHF 510.70 | CHF 510.70 |
| 500 | CHF 582.30 | CHF 520.00 | CHF 499.20 | CHF 499.70 |
| 1'000 | CHF 553.30 | CHF 491.00 | CHF 470.20 | CHF 472.20 |
| 1'500 | CHF 523.80 | CHF 461.50 | CHF 440.70 | CHF 443.70 |
| 2'000 | CHF 494.80 | CHF 432.50 | CHF 411.70 | CHF 414.70 |
| 2'500 | CHF 465.80 | CHF 403.50 | CHF 382.70 | CHF 385.70 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 431.60 | CHF 395.00 | CHF 379.90 | CHF 371.20 |
| 500 | CHF 420.10 | CHF 383.50 | CHF 368.40 | CHF 359.70 |
| 1'000 | CHF 391.10 | CHF 354.50 | CHF 339.40 | CHF 330.70 |
| 1'500 | CHF 361.60 | CHF 325.00 | CHF 309.90 | CHF 301.20 |
| 2'000 | CHF 332.60 | CHF 296.00 | CHF 280.90 | CHF 272.20 |
| 2'500 | CHF 303.60 | CHF 267.00 | CHF 251.90 | CHF 243.20 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 105.50 | CHF 97.60 | CHF 95.00 | CHF 93.90 |
| 100 | CHF 101.10 | CHF 93.20 | CHF 90.60 | CHF 89.60 |
| 200 | CHF 96.80 | CHF 88.90 | CHF 86.30 | CHF 85.20 |
| 300 | CHF 92.40 | CHF 84.50 | CHF 81.80 | CHF 80.80 |
| 400 | CHF 88.00 | CHF 80.10 | CHF 77.50 | CHF 76.40 |
| 500 | CHF 83.70 | CHF 75.80 | CHF 73.10 | CHF 72.10 |
| 600 | CHF 79.20 | CHF 71.30 | CHF 68.70 | CHF 67.70 |
With or without accident cover
With accident cover: CHF 593.80 a month. Without: CHF 552.30. Dropping it saves CHF 498.00 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 494.80 in 2025 to CHF 355.90 — a rise of 3.2 %.
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 |
| Visana | CHF 529.70 | View |
| vita surselva | CHF 543.40 | View |
| rhenusana | CHF 547.90 | View |
| Mutuel | CHF 560.60 | View |
| Einsiedler | CHF 575.25 | View |
Source: Federal Office of Public Health (FOPH), official premiums.