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SWICA or CONCORDIA in Region 2 of canton Lucerne?

In Region 2, CONCORDIA is CHF 350.40 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 447.40 a month, SWICA to CHF 476.60. The gap is CHF 350.40 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to CONCORDIA is worth CHF 260.40 more a year. Agrisano

Where they stand in the region

SWICA ranks 19 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.

DeductibleSWICACONCORDIAGap
300CHF 550.90CHF 523.20+ 27.70
500CHF 539.30CHF 511.60+ 27.70
1'000CHF 510.10CHF 482.40+ 27.70
1'500CHF 480.90CHF 453.20+ 27.70
2'000CHF 451.80CHF 424.10+ 27.70
2'500CHF 422.60CHF 394.90+ 27.70

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelSWICACONCORDIA
HMO practiceCHF 476.60CHF 447.40
Family doctorCHF 482.10CHF 470.90
Other modelCHF 512.40CHF 455.20
Free choice of doctorCHF 550.90CHF 523.20

How they moved in this region

Against 2025, SWICA moves by + 1.9 % and CONCORDIA by + 7.3 % in this region.

SWICA, CONCORDIA, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.