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SWICA or Mutuel in Region 1 of canton Lucerne?

In Region 1, SWICA is CHF 766.80 a year cheaper than Mutuel 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 496.70 a month, Mutuel to CHF 560.60. The gap is CHF 766.80 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 SWICA is worth CHF 541.20 more a year. Atupri

Where they stand in the region

SWICA ranks 15 and Mutuel ranks 24, 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.

DeductibleSWICAMutuelGap
300CHF 580.90CHF 640.60− 59.70
500CHF 569.30CHF 629.10− 59.80
1'000CHF 540.10CHF 600.10− 60.00
1'500CHF 510.90CHF 570.60− 59.70
2'000CHF 481.80CHF 541.60− 59.80
2'500CHF 452.60CHF 512.60− 60.00

Model by model

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

ModelSWICAMutuel
HMO practiceCHF 496.70CHF 563.80
Family doctorCHF 505.40CHF 583.00
Other modelCHF 528.70CHF 560.60
Free choice of doctorCHF 580.90CHF 640.60

How they moved in this region

Against 2025, SWICA moves by + 1.8 % and Mutuel by + 8.0 % in this region.

SWICA, Mutuel, 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.