Sanitas or Visana in Region 1 of canton Lucerne?
In Region 1, Sanitas is CHF 817.20 a year cheaper than Visana 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, Visana to CHF 529.70. The gap is CHF 817.20 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 Visana ranks 21, 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 | Visana | Gap |
|---|---|---|---|
| 300 | CHF 530.60 | CHF 618.00 | − 87.40 |
| 500 | CHF 519.00 | CHF 611.30 | − 92.30 |
| 1'000 | CHF 489.80 | CHF 577.20 | − 87.40 |
| 1'500 | CHF 460.60 | CHF 548.00 | − 87.40 |
| 2'000 | CHF 431.50 | CHF 518.80 | − 87.30 |
| 2'500 | CHF 402.30 | CHF 489.70 | − 87.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Visana |
|---|---|---|
| Family doctor | CHF 461.60 | CHF 537.70 |
| Other model | CHF 461.70 | CHF 543.90 |
| HMO practice | CHF 482.90 | CHF 529.70 |
| Free choice of doctor | CHF 530.60 | CHF 618.00 |
How they moved in this region
Against 2025, Sanitas moves by + 3.7 % and Visana by − 1.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.