SWICA or Mutuel in Region 3 of canton Lucerne?
In Region 3, SWICA is CHF 1'006.80 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 437.40 a month, Mutuel to CHF 521.30. The gap is CHF 1'006.80 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 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.
| Deductible | SWICA | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 523.80 | CHF 595.80 | − 72.00 |
| 500 | CHF 512.20 | CHF 584.30 | − 72.10 |
| 1'000 | CHF 483.00 | CHF 555.30 | − 72.30 |
| 1'500 | CHF 453.80 | CHF 525.80 | − 72.00 |
| 2'000 | CHF 424.70 | CHF 496.80 | − 72.10 |
| 2'500 | CHF 395.50 | CHF 467.80 | − 72.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Mutuel |
|---|---|---|
| HMO practice | CHF 437.40 | CHF 524.30 |
| Family doctor | CHF 442.70 | CHF 542.20 |
| Other model | CHF 476.70 | CHF 521.30 |
| Free choice of doctor | CHF 523.80 | CHF 595.80 |
How they moved in this region
Against 2025, SWICA moves by + 1.9 % and Mutuel by + 8.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.