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Sanitas or CONCORDIA in Region 1 of canton Lucerne?

In Region 1, Sanitas is CHF 172.80 a year cheaper than CONCORDIA for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

Sanitas comes down to CHF 461.60 a month, CONCORDIA to CHF 476.00. The gap is CHF 172.80 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to Sanitas is worth CHF 120.00 more a year. Atupri

Where they stand in the region

Sanitas ranks 2 and CONCORDIA ranks 8, out of 25 active insurers in this region.

Deductible by deductible

With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.

DeductibleSanitasCONCORDIAGap
300CHF 530.60CHF 556.70− 26.10
500CHF 519.00CHF 545.10− 26.10
1'000CHF 489.80CHF 515.90− 26.10
1'500CHF 460.60CHF 486.70− 26.10
2'000CHF 431.50CHF 457.60− 26.10
2'500CHF 402.30CHF 428.40− 26.10

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelSanitasCONCORDIA
Family doctorCHF 461.60CHF 501.10
Other modelCHF 461.70CHF 484.40
HMO practiceCHF 482.90CHF 476.00
Free choice of doctorCHF 530.60CHF 556.70

How they moved in this region

Against 2025, Sanitas moves by + 3.7 % and CONCORDIA by + 7.3 % in this region.

Sanitas, CONCORDIA, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.