rhenusana — Region 1 of canton Lucerne, 2026 premiums
rhenusana covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 399.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
rhenusana ranks 23 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 rhenusana to Atupri, the cheapest insurer in this region, saves CHF 1'155.60 a year for an adult on the same profile.
The full rhenusana table
108 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 | Other model |
|---|---|---|---|
| 300 | CHF 595.50 | CHF 574.70 | CHF 547.90 |
| 500 | CHF 583.90 | CHF 563.10 | CHF 537.40 |
| 1'000 | CHF 554.70 | CHF 535.80 | CHF 510.40 |
| 1'500 | CHF 525.50 | CHF 507.70 | CHF 483.90 |
| 2'000 | CHF 496.40 | CHF 479.70 | CHF 456.90 |
| 2'500 | CHF 467.50 | CHF 451.70 | CHF 430.00 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 452.60 | CHF 436.80 | CHF 416.40 |
| 500 | CHF 442.60 | CHF 425.20 | CHF 407.40 |
| 1'000 | CHF 418.10 | CHF 396.30 | CHF 384.90 |
| 1'500 | CHF 393.60 | CHF 366.80 | CHF 362.40 |
| 2'000 | CHF 369.10 | CHF 342.90 | CHF 339.40 |
| 2'500 | CHF 344.60 | CHF 319.80 | CHF 316.90 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 74.50 | CHF 71.90 | CHF 68.50 |
| 300 | CHF 65.80 | CHF 63.10 | CHF 59.80 |
| 600 | CHF 57.00 | CHF 54.40 | CHF 51.00 |
With or without accident cover
With accident cover: CHF 595.50 a month. Without: CHF 553.80. 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 516.80 in 2025 to CHF 399.90 — a rise of 6.0 %.
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 |
| Philos | CHF 510.70 | View |
| Visana | CHF 529.70 | View |
| vita surselva | CHF 543.40 | View |
| Mutuel | CHF 560.60 | View |
| Einsiedler | CHF 575.25 | View |
Source: Federal Office of Public Health (FOPH), official premiums.