SWICA or CONCORDIA in Region 1 of canton Lucerne?
In Region 1, CONCORDIA is CHF 248.40 a year cheaper than SWICA for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CONCORDIA comes down to CHF 476.00 a month, SWICA to CHF 496.70. The gap is CHF 248.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to CONCORDIA is worth CHF 292.80 more a year. Atupri
Where they stand in the region
SWICA ranks 15 and CONCORDIA ranks 8, out of 25 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | SWICA | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 580.90 | CHF 556.70 | + 24.20 |
| 500 | CHF 569.30 | CHF 545.10 | + 24.20 |
| 1'000 | CHF 540.10 | CHF 515.90 | + 24.20 |
| 1'500 | CHF 510.90 | CHF 486.70 | + 24.20 |
| 2'000 | CHF 481.80 | CHF 457.60 | + 24.20 |
| 2'500 | CHF 452.60 | CHF 428.40 | + 24.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | CONCORDIA |
|---|---|---|
| HMO practice | CHF 496.70 | CHF 476.00 |
| Family doctor | CHF 505.40 | CHF 501.10 |
| Other model | CHF 528.70 | CHF 484.40 |
| Free choice of doctor | CHF 580.90 | CHF 556.70 |
How they moved in this region
Against 2025, SWICA moves by + 1.8 % and CONCORDIA by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.