Sanitas or Mutuel in Region 2 of canton Lucerne?
In Region 2, Sanitas is CHF 999.60 a year cheaper than Mutuel 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 443.60 a month, Mutuel to CHF 526.90. The gap is CHF 999.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to Sanitas is worth CHF 214.80 more a year. Agrisano
Where they stand in the region
Sanitas ranks 4 and Mutuel ranks 25, 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.
| Deductible | Sanitas | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 509.90 | CHF 602.20 | − 92.30 |
| 500 | CHF 498.30 | CHF 590.70 | − 92.40 |
| 1'000 | CHF 469.10 | CHF 561.70 | − 92.60 |
| 1'500 | CHF 439.90 | CHF 532.20 | − 92.30 |
| 2'000 | CHF 410.80 | CHF 503.20 | − 92.40 |
| 2'500 | CHF 381.60 | CHF 474.20 | − 92.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Mutuel |
|---|---|---|
| Family doctor | CHF 443.60 | CHF 548.00 |
| Other model | CHF 459.00 | CHF 526.90 |
| HMO practice | CHF 464.10 | CHF 530.00 |
| Free choice of doctor | CHF 509.90 | CHF 602.20 |
How they moved in this region
Against 2025, Sanitas moves by + 4.8 % and Mutuel by + 8.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.