Sanitas — Region 2 of canton Lucerne, 2026 premiums
Sanitas covers the 19 municipalities of Region 2 in canton Lucerne. Its lowest adult premium here is CHF 293.55 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Sanitas ranks 4 out of 25 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 464.78 a month.
What staying costs
Moving from Sanitas to Agrisano, the cheapest insurer in this region, saves CHF 214.80 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 509.90 | CHF 443.60 | CHF 464.10 | CHF 459.00 |
| 500 | CHF 498.30 | CHF 432.00 | CHF 452.50 | CHF 447.40 |
| 1'000 | CHF 469.10 | CHF 402.80 | CHF 423.30 | CHF 418.20 |
| 1'500 | CHF 439.90 | CHF 373.60 | CHF 394.10 | CHF 389.00 |
| 2'000 | CHF 410.80 | CHF 344.50 | CHF 365.00 | CHF 359.90 |
| 2'500 | CHF 381.60 | CHF 315.30 | CHF 335.80 | CHF 330.70 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 341.70 | CHF 328.00 | CHF 331.50 | CHF 328.10 |
| 500 | CHF 330.10 | CHF 316.40 | CHF 319.90 | CHF 316.50 |
| 1'000 | CHF 300.90 | CHF 287.20 | CHF 290.70 | CHF 287.30 |
| 1'500 | CHF 271.70 | CHF 258.00 | CHF 261.50 | CHF 258.10 |
| 2'000 | CHF 242.60 | CHF 228.90 | CHF 232.40 | CHF 229.00 |
| 2'500 | CHF 213.40 | CHF 199.70 | CHF 203.20 | CHF 199.80 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 124.00 | CHF 120.20 | CHF 121.60 | CHF 119.10 |
| 100 | CHF 118.20 | CHF 114.40 | CHF 115.80 | CHF 113.30 |
| 200 | CHF 112.40 | CHF 108.60 | CHF 110.00 | CHF 107.50 |
| 300 | CHF 106.50 | CHF 102.70 | CHF 104.10 | CHF 101.60 |
| 400 | CHF 100.70 | CHF 96.90 | CHF 98.30 | CHF 95.80 |
| 500 | CHF 94.90 | CHF 91.10 | CHF 92.50 | CHF 90.00 |
| 600 | CHF 89.00 | CHF 85.20 | CHF 86.60 | CHF 84.10 |
With or without accident cover
With accident cover: CHF 509.90 a month. Without: CHF 474.80. Dropping it saves CHF 421.20 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 423.30 in 2025 to CHF 293.55 — a rise of 4.8 %.
The 19 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Lucerne, not to the municipality.
Adligenswil · Buchrain · Dierikon · Eich · Malters · Meggen · Meierskappel · Neuenkirch · Nottwil · Oberkirch · Root · Rothenburg · Ruswil · Schenkon · Sempach · Sursee · Udligenswil · Werthenstein · Wolhusen
The other insurers in Region 2
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 425.70 | View |
| Luzerner Hinterland | CHF 440.45 | View |
| CSS | CHF 441.70 | View |
| sana24 | CHF 445.10 | View |
| Vivao Sympany | CHF 445.50 | View |
| KPT | CHF 446.90 | View |
| CONCORDIA | CHF 447.40 | View |
| EGK | CHF 451.20 | View |
| Atupri | CHF 455.70 | View |
| Avenir | CHF 456.40 | View |
| Assura-Basis | CHF 456.60 | View |
| SLKK | CHF 458.00 | View |
| ÖKK | CHF 458.50 | View |
| Helsana | CHF 458.60 | View |
| Galenos | CHF 464.50 | View |
| Sumiswalder | CHF 464.60 | View |
| Aquilana | CHF 468.20 | View |
| SWICA | CHF 476.60 | View |
| Philos | CHF 485.20 | View |
| Visana | CHF 485.30 | View |
| rhenusana | CHF 498.60 | View |
| vita surselva | CHF 505.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 526.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.