SWICA or Sanitas in Region 2 of canton Lucerne?
In Region 2, Sanitas is CHF 396.00 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 443.60 a month, SWICA to CHF 476.60. The gap is CHF 396.00 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 Sanitas is worth CHF 214.80 more a year. Agrisano
Where they stand in the region
SWICA ranks 19 and Sanitas ranks 4, 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 550.90 | CHF 509.90 | + 41.00 |
| 500 | CHF 539.30 | CHF 498.30 | + 41.00 |
| 1'000 | CHF 510.10 | CHF 469.10 | + 41.00 |
| 1'500 | CHF 480.90 | CHF 439.90 | + 41.00 |
| 2'000 | CHF 451.80 | CHF 410.80 | + 41.00 |
| 2'500 | CHF 422.60 | CHF 381.60 | + 41.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| HMO practice | CHF 476.60 | CHF 464.10 |
| Family doctor | CHF 482.10 | CHF 443.60 |
| Other model | CHF 512.40 | CHF 459.00 |
| Free choice of doctor | CHF 550.90 | CHF 509.90 |
How they moved in this region
Against 2025, SWICA moves by + 1.9 % and Sanitas by + 4.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.