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SWICA or Sanitas in Region 3 of canton Lucerne?

In Region 3, Sanitas is CHF 94.80 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 429.50 a month, SWICA to CHF 437.40. The gap is CHF 94.80 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 Sanitas is worth CHF 182.40 more a year. Agrisano

Where they stand in the region

SWICA ranks 8 and Sanitas ranks 3, 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.

DeductibleSWICASanitasGap
300CHF 523.80CHF 493.70+ 30.10
500CHF 512.20CHF 482.10+ 30.10
1'000CHF 483.00CHF 452.90+ 30.10
1'500CHF 453.80CHF 423.70+ 30.10
2'000CHF 424.70CHF 394.60+ 30.10
2'500CHF 395.50CHF 365.40+ 30.10

Model by model

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

ModelSWICASanitas
HMO practiceCHF 437.40CHF 449.30
Family doctorCHF 442.70CHF 429.50
Other modelCHF 476.70CHF 444.40
Free choice of doctorCHF 523.80CHF 493.70

How they moved in this region

Against 2025, SWICA moves by + 1.9 % and Sanitas by + 4.8 % in this region.

SWICA, Sanitas, 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.