Philos — Region 3 of canton Lucerne, 2026 premiums
Philos covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 315.60 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 3, cheapest to dearest.
The regional average across insurers is CHF 451.29 a month.
What staying costs
Moving from Philos to Agrisano, the cheapest insurer in this region, saves CHF 636.00 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 543.40 | CHF 486.30 | CHF 467.30 | CHF 467.30 |
| 500 | CHF 531.90 | CHF 474.80 | CHF 455.80 | CHF 456.30 |
| 1'000 | CHF 502.90 | CHF 445.80 | CHF 426.80 | CHF 428.80 |
| 1'500 | CHF 473.40 | CHF 416.30 | CHF 397.30 | CHF 400.00 |
| 2'000 | CHF 444.40 | CHF 387.30 | CHF 368.30 | CHF 371.00 |
| 2'500 | CHF 415.40 | CHF 358.30 | CHF 339.30 | CHF 342.00 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 395.00 | CHF 361.40 | CHF 347.60 | CHF 339.70 |
| 500 | CHF 383.50 | CHF 349.90 | CHF 336.10 | CHF 328.20 |
| 1'000 | CHF 354.50 | CHF 320.90 | CHF 307.10 | CHF 299.20 |
| 1'500 | CHF 325.00 | CHF 291.40 | CHF 277.60 | CHF 269.70 |
| 2'000 | CHF 296.00 | CHF 262.40 | CHF 248.60 | CHF 240.70 |
| 2'500 | CHF 267.00 | CHF 233.40 | CHF 219.60 | CHF 213.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 96.50 | CHF 89.30 | CHF 86.90 | CHF 85.90 |
| 100 | CHF 92.20 | CHF 85.00 | CHF 82.50 | CHF 81.60 |
| 200 | CHF 87.80 | CHF 80.60 | CHF 78.20 | CHF 77.20 |
| 300 | CHF 83.40 | CHF 76.20 | CHF 73.80 | CHF 72.80 |
| 400 | CHF 79.10 | CHF 71.80 | CHF 69.40 | CHF 68.40 |
| 500 | CHF 74.70 | CHF 67.50 | CHF 65.10 | CHF 64.10 |
| 600 | CHF 70.30 | CHF 63.10 | CHF 60.60 | CHF 59.70 |
With or without accident cover
With accident cover: CHF 543.40 a month. Without: CHF 505.30. Dropping it saves CHF 457.20 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 452.80 in 2025 to CHF 315.60 — a rise of 3.2 %.
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 |
| rhenusana | CHF 476.10 | View |
| Visana | CHF 485.30 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 521.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums.