SWICA or EGK in Region 3 of canton Lucerne?
In Region 3, SWICA is CHF 100.80 a year cheaper than EGK for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
SWICA comes down to CHF 437.40 a month, EGK to CHF 445.80. The gap is CHF 100.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to SWICA is worth CHF 277.20 more a year. Agrisano
Where they stand in the region
SWICA ranks 8 and EGK ranks 13, 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 | EGK | Gap |
|---|---|---|---|
| 300 | CHF 523.80 | CHF 500.80 | + 23.00 |
| 500 | CHF 512.20 | CHF 489.10 | + 23.10 |
| 1'000 | CHF 483.00 | CHF 460.00 | + 23.00 |
| 1'500 | CHF 453.80 | CHF 430.80 | + 23.00 |
| 2'000 | CHF 424.70 | CHF 401.60 | + 23.10 |
| 2'500 | CHF 395.50 | CHF 372.50 | + 23.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | EGK |
|---|---|---|
| HMO practice | CHF 437.40 | — |
| Family doctor | CHF 442.70 | CHF 455.80 |
| Other model | CHF 476.70 | CHF 445.80 |
| Free choice of doctor | CHF 523.80 | CHF 500.80 |
How they moved in this region
Against 2025, SWICA moves by + 1.9 % and EGK by + 7.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.