Sumiswalder — Region 3 of canton Lucerne, 2026 premiums
Sumiswalder covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 299.00 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Sumiswalder ranks 17 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 Sumiswalder to Agrisano, the cheapest insurer in this region, saves CHF 424.80 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 488.80 | CHF 449.70 | CHF 449.70 |
| 500 | CHF 477.20 | CHF 438.10 | CHF 438.10 |
| 1'000 | CHF 448.00 | CHF 408.90 | CHF 408.90 |
| 1'500 | CHF 418.80 | CHF 379.70 | CHF 379.70 |
| 2'000 | CHF 389.70 | CHF 350.60 | CHF 350.60 |
| 2'500 | CHF 360.50 | CHF 321.50 | CHF 321.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 361.70 | CHF 332.80 | CHF 332.80 |
| 500 | CHF 350.10 | CHF 321.20 | CHF 321.20 |
| 1'000 | CHF 320.90 | CHF 292.00 | CHF 292.00 |
| 1'500 | CHF 291.70 | CHF 262.90 | CHF 262.90 |
| 2'000 | CHF 262.60 | CHF 237.80 | CHF 237.80 |
| 2'500 | CHF 233.40 | CHF 212.90 | CHF 212.90 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 56.30 | CHF 51.80 | CHF 51.80 |
| 100 | CHF 53.40 | CHF 48.90 | CHF 48.90 |
| 200 | CHF 50.50 | CHF 46.00 | CHF 46.00 |
| 300 | CHF 47.50 | CHF 43.00 | CHF 43.00 |
| 400 | CHF 44.60 | CHF 40.10 | CHF 40.10 |
| 500 | CHF 41.70 | CHF 37.20 | CHF 37.20 |
| 600 | CHF 38.80 | CHF 34.30 | CHF 34.30 |
With or without accident cover
With accident cover: CHF 488.80 a month. Without: CHF 454.60. Dropping it saves CHF 410.40 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 422.10 in 2025 to CHF 299.00 — a rise of 6.5 %.
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 |
| Sanitas | CHF 429.50 | 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 |
| 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.