Sumiswalder — Region 1 of canton Lucerne, 2026 premiums
Sumiswalder covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 359.50 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Sumiswalder ranks 18 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 Sumiswalder to Atupri, the cheapest insurer in this region, saves CHF 634.80 a year for an adult on the same profile.
The full Sumiswalder table
156 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 | Other model |
|---|---|---|---|
| 300 | CHF 548.30 | CHF 504.50 | CHF 504.50 |
| 500 | CHF 536.70 | CHF 493.70 | CHF 493.70 |
| 1'000 | CHF 507.50 | CHF 466.90 | CHF 466.90 |
| 1'500 | CHF 478.30 | CHF 440.10 | CHF 440.10 |
| 2'000 | CHF 449.20 | CHF 413.30 | CHF 413.30 |
| 2'500 | CHF 420.00 | CHF 386.50 | CHF 386.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 405.70 | CHF 373.30 | CHF 373.30 |
| 500 | CHF 394.10 | CHF 362.50 | CHF 362.50 |
| 1'000 | CHF 364.90 | CHF 335.80 | CHF 335.80 |
| 1'500 | CHF 335.80 | CHF 308.90 | CHF 308.90 |
| 2'000 | CHF 306.60 | CHF 282.10 | CHF 282.10 |
| 2'500 | CHF 277.40 | CHF 255.30 | CHF 255.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 63.10 | CHF 58.10 | CHF 58.10 |
| 100 | CHF 60.20 | CHF 55.40 | CHF 55.40 |
| 200 | CHF 57.30 | CHF 52.80 | CHF 52.80 |
| 300 | CHF 54.40 | CHF 50.00 | CHF 50.00 |
| 400 | CHF 51.50 | CHF 47.40 | CHF 47.40 |
| 500 | CHF 48.60 | CHF 44.70 | CHF 44.70 |
| 600 | CHF 45.60 | CHF 42.00 | CHF 42.00 |
With or without accident cover
With accident cover: CHF 548.30 a month. Without: CHF 509.90. Dropping it saves CHF 460.80 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 473.70 in 2025 to CHF 359.50 — a rise of 6.5 %.
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 |
| Sanitas | CHF 461.60 | 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 |
| 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.