Sanitas — Region 1 of canton Lucerne, 2026 premiums
Sanitas covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 310.30 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Sanitas ranks 2 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 Sanitas to Atupri, the cheapest insurer in this region, saves CHF 120.00 a year for an adult on the same profile.
The full Sanitas table
304 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 530.60 | CHF 461.60 | CHF 482.90 | CHF 461.70 |
| 500 | CHF 519.00 | CHF 450.00 | CHF 471.30 | CHF 450.10 |
| 1'000 | CHF 489.80 | CHF 420.80 | CHF 442.10 | CHF 420.90 |
| 1'500 | CHF 460.60 | CHF 391.60 | CHF 412.90 | CHF 391.70 |
| 2'000 | CHF 431.50 | CHF 362.50 | CHF 383.80 | CHF 362.60 |
| 2'500 | CHF 402.30 | CHF 333.30 | CHF 354.60 | CHF 333.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 355.60 | CHF 341.30 | CHF 345.00 | CHF 341.40 |
| 500 | CHF 344.00 | CHF 329.70 | CHF 333.40 | CHF 329.80 |
| 1'000 | CHF 314.80 | CHF 300.50 | CHF 304.20 | CHF 300.60 |
| 1'500 | CHF 285.60 | CHF 271.30 | CHF 275.00 | CHF 271.40 |
| 2'000 | CHF 256.50 | CHF 242.20 | CHF 245.90 | CHF 242.30 |
| 2'500 | CHF 227.30 | CHF 213.00 | CHF 216.70 | CHF 213.10 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 129.00 | CHF 125.10 | CHF 126.50 | CHF 123.90 |
| 100 | CHF 123.20 | CHF 119.30 | CHF 120.70 | CHF 118.10 |
| 200 | CHF 117.40 | CHF 113.50 | CHF 114.90 | CHF 112.30 |
| 300 | CHF 111.50 | CHF 107.60 | CHF 109.00 | CHF 106.40 |
| 400 | CHF 105.70 | CHF 101.80 | CHF 103.20 | CHF 100.60 |
| 500 | CHF 99.90 | CHF 96.00 | CHF 97.40 | CHF 94.80 |
| 600 | CHF 94.00 | CHF 90.10 | CHF 91.50 | CHF 88.90 |
With or without accident cover
With accident cover: CHF 530.60 a month. Without: CHF 494.00. Dropping it saves CHF 439.20 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 445.00 in 2025 to CHF 310.30 — a rise of 3.7 %.
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 |
| 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 |
| sana24 | CHF 484.50 | 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.