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SWICA or Mutuel in Region 2 of canton Lucerne?

In Region 2, SWICA is CHF 603.60 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 476.60 a month, Mutuel to CHF 526.90. The gap is CHF 603.60 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 SWICA is worth CHF 610.80 more a year. Agrisano

Where they stand in the region

SWICA ranks 19 and Mutuel ranks 25, 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 550.90CHF 602.20− 51.30
500CHF 539.30CHF 590.70− 51.40
1'000CHF 510.10CHF 561.70− 51.60
1'500CHF 480.90CHF 532.20− 51.30
2'000CHF 451.80CHF 503.20− 51.40
2'500CHF 422.60CHF 474.20− 51.60

Model by model

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

ModelSWICAMutuel
HMO practiceCHF 476.60CHF 530.00
Family doctorCHF 482.10CHF 548.00
Other modelCHF 512.40CHF 526.90
Free choice of doctorCHF 550.90CHF 602.20

How they moved in this region

Against 2025, SWICA moves by + 1.9 % 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.