sana24 in the canton of Lucerne — 2026 premiums
sana24 covers the 79 municipalities of the canton of Lucerne. Its lowest adult premium there is CHF 432.00 a month, with a 300-franc deductible and accident cover included.
Where it stands
sana24 ranks 6 out of 25 active insurers in the canton of Lucerne, cheapest to dearest.
The cantonal average across all insurers is CHF 451.29 a month.
What switching would save you
Moving from sana24 to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 212.40 a year — for strictly identical cover, since the law requires the same benefits from every insurer.
The figure is for an adult with a 300-franc deductible and accident cover. Your actual gap depends on your age, your deductible and your municipality — the comparator works it out for your situation.
Premium regions in the canton of Lucerne
A premium does not depend on the municipality but on the premium region it belongs to. Every municipality in the same region pays the same rate with the same insurer.
The models offered by sana24
The model changes the price without changing the benefits: what varies is your freedom to choose your first point of care.
| Model | Premium |
|---|---|
| Other model — Combi Care | CHF 484.50 |
| Family doctor — Med Direct | CHF 506.40 |
| HMO practice — Managed Care | CHF 523.90 |
| Free choice of doctor — Grundversicherung | CHF 563.30 |
The twelve years, year by year
Since 2015, the lowest sana24 premium here has moved by +43.4 %, against +74.7 % for the cheapest insurer in the same place. The twelve years, year by year
Same group, a different price
- In this region Galenos belongs to the same group — Visana — and costs CHF 171.60 more per year. You are already on the right side. CHF 446.30
- In this region Visana belongs to the same group — Visana — and costs CHF 639.60 more per year. You are already on the right side. CHF 485.30
Two brands of the same house share reserves and management; their prices do not. Switching inside a group is still a real change of contract: the same cancellation rules apply.
The other insurers in the canton of Lucerne
25 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 414.30 | View |
| Krankenkasse Luzerner Hinterland | CHF 425.65 | View |
| Sanitas Grundversicherungen AG | CHF 429.50 | View |
| KPT Caisse-maladie SA | CHF 430.10 | View |
| Vivao Sympany SA | CHF 431.20 | View |
| CONCORDIA Assurance suisse de maladie et accidents SA | CHF 435.20 | View |
| SWICA Assurance-maladie SA | CHF 437.40 | View |
| CSS Assurance-maladie SA | CHF 438.60 | View |
| Atupri Assurance de la santé SA | CHF 440.20 | View |
| Assura-Basis SA | CHF 440.20 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 442.70 | View |
| EGK Grundversicherungen AG | CHF 445.80 | View |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 446.20 | View |
| Galenos AG | CHF 446.30 | View |
| Avenir Assurance Maladie SA | CHF 446.90 | View |
| Sumiswalder Krankenkasse | CHF 449.70 | View |
| Helsana Assurances SA | CHF 450.20 | View |
| Aquilana Versicherungen | CHF 451.00 | View |
| Philos Assurance Maladie SA | CHF 467.30 | View |
| rhenusana | CHF 476.10 | View |
| Visana AG | CHF 485.30 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler Krankenkasse | CHF 512.75 | View |
| Mutuel Assurance Maladie SA | CHF 521.30 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.