sana24 — Region 1 of canton Lucerne, 2026 premiums
sana24 covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 332.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
sana24 ranks 11 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 sana24 to Atupri, the cheapest insurer in this region, saves CHF 394.80 a year for an adult on the same profile.
The full sana24 table
416 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 563.30 | CHF 506.40 | CHF 523.90 | CHF 484.50 |
| 500 | CHF 551.60 | CHF 494.80 | CHF 512.20 | CHF 472.80 |
| 1'000 | CHF 522.50 | CHF 465.60 | CHF 483.10 | CHF 443.70 |
| 1'500 | CHF 493.30 | CHF 436.40 | CHF 453.90 | CHF 414.50 |
| 2'000 | CHF 464.10 | CHF 407.30 | CHF 424.70 | CHF 385.30 |
| 2'500 | CHF 435.00 | CHF 378.10 | CHF 395.60 | CHF 356.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 457.50 | CHF 434.20 | CHF 425.50 | CHF 416.30 |
| 500 | CHF 445.80 | CHF 422.50 | CHF 413.80 | CHF 404.70 |
| 1'000 | CHF 416.60 | CHF 393.30 | CHF 384.60 | CHF 375.50 |
| 1'500 | CHF 387.50 | CHF 364.20 | CHF 355.50 | CHF 346.30 |
| 2'000 | CHF 358.30 | CHF 335.00 | CHF 326.30 | CHF 317.20 |
| 2'500 | CHF 329.10 | CHF 305.80 | CHF 297.10 | CHF 288.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 56.70 | CHF 56.10 | CHF 52.70 | CHF 56.10 |
| 100 | CHF 52.70 | CHF 52.20 | CHF 49.10 | CHF 52.20 |
| 200 | CHF 48.80 | CHF 48.30 | CHF 45.40 | CHF 48.30 |
| 300 | CHF 44.90 | CHF 44.40 | CHF 41.80 | CHF 44.40 |
| 400 | CHF 40.90 | CHF 40.50 | CHF 38.10 | CHF 40.50 |
| 500 | CHF 37.00 | CHF 36.60 | CHF 34.40 | CHF 36.60 |
| 600 | CHF 33.00 | CHF 32.70 | CHF 30.80 | CHF 32.70 |
With or without accident cover
With accident cover: CHF 563.30 a month. Without: CHF 526.50. Dropping it saves CHF 441.60 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 477.60 in 2025 to CHF 332.90 — a rise of 1.4 %.
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 |
| 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 |
| rhenusana | CHF 547.90 | View |
| Mutuel | CHF 560.60 | View |
| Einsiedler | CHF 575.25 | View |
Source: Federal Office of Public Health (FOPH), official premiums.