sana24 — Region 3 of canton Lucerne, 2026 premiums
sana24 covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 296.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
sana24 ranks 6 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 sana24 to Agrisano, the cheapest insurer in this region, saves CHF 212.40 a year for an adult on the same profile.
The full sana24 table
468 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 525.50 | CHF 500.80 | CHF 432.00 | CHF 452.00 |
| 500 | CHF 513.80 | CHF 489.20 | CHF 420.40 | CHF 440.30 |
| 1'000 | CHF 484.70 | CHF 460.00 | CHF 398.00 | CHF 411.20 |
| 1'500 | CHF 455.50 | CHF 430.80 | CHF 368.90 | CHF 382.00 |
| 2'000 | CHF 426.30 | CHF 401.70 | CHF 346.50 | CHF 352.80 |
| 2'500 | CHF 397.20 | CHF 372.50 | CHF 317.40 | CHF 323.70 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 426.80 | CHF 406.70 | CHF 346.60 | CHF 392.70 |
| 500 | CHF 415.10 | CHF 395.10 | CHF 335.00 | CHF 381.00 |
| 1'000 | CHF 385.90 | CHF 365.90 | CHF 313.50 | CHF 351.80 |
| 1'500 | CHF 356.80 | CHF 336.70 | CHF 284.30 | CHF 322.70 |
| 2'000 | CHF 327.60 | CHF 307.60 | CHF 262.80 | CHF 293.50 |
| 2'500 | CHF 298.40 | CHF 278.40 | CHF 233.60 | CHF 264.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 52.90 | CHF 52.40 | CHF 43.00 | CHF 52.40 |
| 100 | CHF 49.20 | CHF 48.70 | CHF 40.10 | CHF 48.70 |
| 200 | CHF 45.60 | CHF 45.10 | CHF 37.90 | CHF 45.10 |
| 300 | CHF 41.90 | CHF 41.50 | CHF 34.80 | CHF 41.50 |
| 400 | CHF 38.20 | CHF 37.80 | CHF 32.50 | CHF 37.80 |
| 500 | CHF 34.50 | CHF 34.20 | CHF 29.30 | CHF 34.20 |
| 600 | CHF 30.90 | CHF 30.60 | CHF 28.50 | CHF 30.60 |
With or without accident cover
With accident cover: CHF 525.50 a month. Without: CHF 491.10. Dropping it saves CHF 412.80 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 445.60 in 2025 to CHF 296.60 — a fall of 3.1 %.
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 |
| 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 |
| Philos | CHF 467.30 | 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.