SWICA or Sanitas in Region 1 of canton Lucerne?
In Region 1, Sanitas is CHF 421.20 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
Sanitas comes down to CHF 461.60 a month, SWICA to CHF 496.70. The gap is CHF 421.20 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 Sanitas is worth CHF 120.00 more a year. Atupri
Where they stand in the region
SWICA ranks 15 and Sanitas ranks 2, 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 580.90 | CHF 530.60 | + 50.30 |
| 500 | CHF 569.30 | CHF 519.00 | + 50.30 |
| 1'000 | CHF 540.10 | CHF 489.80 | + 50.30 |
| 1'500 | CHF 510.90 | CHF 460.60 | + 50.30 |
| 2'000 | CHF 481.80 | CHF 431.50 | + 50.30 |
| 2'500 | CHF 452.60 | CHF 402.30 | + 50.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| HMO practice | CHF 496.70 | CHF 482.90 |
| Family doctor | CHF 505.40 | CHF 461.60 |
| Other model | CHF 528.70 | CHF 461.70 |
| Free choice of doctor | CHF 580.90 | CHF 530.60 |
How they moved in this region
Against 2025, SWICA moves by + 1.8 % and Sanitas by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.