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SWICA or EGK in Region 1 of canton Lucerne?

In Region 1, EGK is CHF 61.20 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

EGK comes down to CHF 491.60 a month, SWICA to CHF 496.70. The gap is CHF 61.20 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 EGK is worth CHF 480.00 more a year. Atupri

Where they stand in the region

SWICA ranks 15 and EGK ranks 12, 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.

DeductibleSWICAEGKGap
300CHF 580.90CHF 560.80+ 20.10
500CHF 569.30CHF 549.20+ 20.10
1'000CHF 540.10CHF 520.00+ 20.10
1'500CHF 510.90CHF 490.80+ 20.10
2'000CHF 481.80CHF 461.70+ 20.10
2'500CHF 452.60CHF 432.50+ 20.10

Model by model

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

ModelSWICAEGK
HMO practiceCHF 496.70—
Family doctorCHF 505.40CHF 502.00
Other modelCHF 528.70CHF 491.60
Free choice of doctorCHF 580.90CHF 560.80

How they moved in this region

Against 2025, SWICA moves by + 1.8 % and EGK by + 5.9 % in this region.

SWICA, EGK, 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.