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SWICA or EGK in Region 2 of canton Lucerne?

In Region 2, EGK is CHF 304.80 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 451.20 a month, SWICA to CHF 476.60. The gap is CHF 304.80 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 EGK is worth CHF 306.00 more a year. Agrisano

Where they stand in the region

SWICA ranks 19 and EGK ranks 9, 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 550.90CHF 521.60+ 29.30
500CHF 539.30CHF 509.90+ 29.40
1'000CHF 510.10CHF 480.80+ 29.30
1'500CHF 480.90CHF 451.60+ 29.30
2'000CHF 451.80CHF 422.40+ 29.40
2'500CHF 422.60CHF 393.30+ 29.30

Model by model

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

ModelSWICAEGK
HMO practiceCHF 476.60—
Family doctorCHF 482.10CHF 466.90
Other modelCHF 512.40CHF 451.20
Free choice of doctorCHF 550.90CHF 521.60

How they moved in this region

Against 2025, SWICA moves by + 1.9 % and EGK by + 7.0 % 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.