Sanitas — Region 3 of canton Lucerne, 2026 premiums
Sanitas covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 280.40 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Sanitas ranks 3 out of 25 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 451.29 a month.
What staying costs
Moving from Sanitas to Agrisano, the cheapest insurer in this region, saves CHF 182.40 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 493.70 | CHF 429.50 | CHF 449.30 | CHF 444.40 |
| 500 | CHF 482.10 | CHF 417.90 | CHF 437.70 | CHF 432.80 |
| 1'000 | CHF 452.90 | CHF 388.70 | CHF 408.50 | CHF 403.60 |
| 1'500 | CHF 423.70 | CHF 359.50 | CHF 379.30 | CHF 374.40 |
| 2'000 | CHF 394.60 | CHF 330.40 | CHF 350.20 | CHF 345.30 |
| 2'500 | CHF 365.40 | CHF 301.20 | CHF 321.00 | CHF 316.10 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 330.80 | CHF 317.55 | CHF 320.90 | CHF 317.60 |
| 500 | CHF 319.20 | CHF 305.95 | CHF 309.30 | CHF 306.00 |
| 1'000 | CHF 290.00 | CHF 276.75 | CHF 280.10 | CHF 276.80 |
| 1'500 | CHF 260.80 | CHF 247.55 | CHF 250.90 | CHF 247.60 |
| 2'000 | CHF 231.70 | CHF 218.45 | CHF 221.80 | CHF 218.50 |
| 2'500 | CHF 202.50 | CHF 189.25 | CHF 192.60 | CHF 189.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 120.00 | CHF 116.35 | CHF 117.60 | CHF 115.20 |
| 100 | CHF 114.20 | CHF 110.55 | CHF 111.80 | CHF 109.40 |
| 200 | CHF 108.40 | CHF 104.75 | CHF 106.00 | CHF 103.60 |
| 300 | CHF 102.50 | CHF 98.85 | CHF 100.10 | CHF 97.70 |
| 400 | CHF 96.70 | CHF 93.05 | CHF 94.30 | CHF 91.90 |
| 500 | CHF 90.90 | CHF 87.25 | CHF 88.50 | CHF 86.10 |
| 600 | CHF 85.00 | CHF 81.35 | CHF 82.60 | CHF 80.20 |
With or without accident cover
With accident cover: CHF 493.70 a month. Without: CHF 459.70. Dropping it saves CHF 408.00 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 409.80 in 2025 to CHF 280.40 — a rise of 4.8 %.
The 55 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Lucerne, not to the municipality.
Aesch (LU) · Alberswil · Altbüron · Altishofen · Ballwil · Beromünster · Buttisholz · Büron · Dagmersellen · Doppleschwand · Egolzwil · Entlebuch · Ermensee · Eschenbach (LU) · Escholzmatt-Marbach · Ettiswil · Fischbach · Flühli · Geuensee · Gisikon · Greppen · Grossdietwil · Grosswangen · Hasle (LU) · Hergiswil bei Willisau · Hildisrieden · Hitzkirch · Hochdorf · Hohenrain · Inwil · Knutwil · Luthern · Mauensee · Menznau · Nebikon · Pfaffnau · Rain · Reiden · Rickenbach (LU) · Roggliswil · Romoos · Römerswil · Schlierbach · Schongau · Schwarzenberg · Schötz · Schüpfheim · Triengen · Ufhusen · Vitznau · Wauwil · Weggis · Wikon · Willisau · Zell (LU)
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 414.30 | View |
| Luzerner Hinterland | CHF 425.65 | View |
| KPT | CHF 430.10 | View |
| Vivao Sympany | CHF 431.20 | View |
| sana24 | CHF 432.00 | View |
| CONCORDIA | CHF 435.20 | View |
| SWICA | CHF 437.40 | View |
| CSS | CHF 438.60 | View |
| Atupri | CHF 440.20 | View |
| Assura-Basis | CHF 440.20 | View |
| SLKK | CHF 442.70 | View |
| EGK | CHF 445.80 | View |
| ÖKK | CHF 446.20 | View |
| Galenos | CHF 446.30 | View |
| Avenir | CHF 446.90 | View |
| Sumiswalder | CHF 449.70 | View |
| Helsana | CHF 450.20 | View |
| Aquilana | CHF 451.00 | View |
| Philos | CHF 467.30 | View |
| rhenusana | CHF 476.10 | View |
| Visana | CHF 485.30 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 521.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums.