Philos — Region 2 of canton Lucerne, 2026 premiums
Philos covers the 19 municipalities of Region 2 in canton Lucerne. Its lowest adult premium here is CHF 332.20 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 2, cheapest to dearest.
The regional average across insurers is CHF 464.78 a month.
What staying costs
Moving from Philos to Agrisano, the cheapest insurer in this region, saves CHF 714.00 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 564.20 | CHF 504.90 | CHF 485.20 | CHF 485.20 |
| 500 | CHF 552.70 | CHF 493.40 | CHF 473.70 | CHF 474.20 |
| 1'000 | CHF 523.70 | CHF 464.40 | CHF 444.70 | CHF 446.70 |
| 1'500 | CHF 494.20 | CHF 434.90 | CHF 415.20 | CHF 418.00 |
| 2'000 | CHF 465.20 | CHF 405.90 | CHF 386.20 | CHF 389.00 |
| 2'500 | CHF 436.20 | CHF 376.90 | CHF 357.20 | CHF 360.00 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 410.10 | CHF 375.20 | CHF 360.90 | CHF 352.70 |
| 500 | CHF 398.60 | CHF 363.70 | CHF 349.40 | CHF 341.20 |
| 1'000 | CHF 369.60 | CHF 334.70 | CHF 320.40 | CHF 312.20 |
| 1'500 | CHF 340.10 | CHF 305.20 | CHF 290.90 | CHF 282.70 |
| 2'000 | CHF 311.10 | CHF 276.20 | CHF 261.90 | CHF 253.70 |
| 2'500 | CHF 282.10 | CHF 247.20 | CHF 232.90 | CHF 224.70 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 100.20 | CHF 92.70 | CHF 90.20 | CHF 89.20 |
| 100 | CHF 95.90 | CHF 88.40 | CHF 85.90 | CHF 84.90 |
| 200 | CHF 91.50 | CHF 84.00 | CHF 81.50 | CHF 80.50 |
| 300 | CHF 87.10 | CHF 79.60 | CHF 77.10 | CHF 76.10 |
| 400 | CHF 82.80 | CHF 75.20 | CHF 72.70 | CHF 71.70 |
| 500 | CHF 78.40 | CHF 70.90 | CHF 68.40 | CHF 67.40 |
| 600 | CHF 74.00 | CHF 66.50 | CHF 64.00 | CHF 63.00 |
With or without accident cover
With accident cover: CHF 564.20 a month. Without: CHF 524.70. Dropping it saves CHF 474.00 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 470.10 in 2025 to CHF 332.20 — a rise of 3.2 %.
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 |
| Visana | CHF 485.30 | View |
| rhenusana | CHF 498.60 | View |
| vita surselva | CHF 505.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 526.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.