SWICA or Visana in Region 1 of canton Lucerne?

In Region 1, SWICA is CHF 396.00 a year cheaper than Visana 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 496.70 a month, Visana to CHF 529.70. The gap is CHF 396.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to SWICA is worth CHF 541.20 more a year. Atupri

SWICA ranks 15 and Visana ranks 21, out of 25 active insurers in this region.

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	Visana	Gap
300	CHF 580.90	CHF 618.00	− 37.10
500	CHF 569.30	CHF 611.30	− 42.00
1'000	CHF 540.10	CHF 577.20	− 37.10
1'500	CHF 510.90	CHF 548.00	− 37.10
2'000	CHF 481.80	CHF 518.80	− 37.00
2'500	CHF 452.60	CHF 489.70	− 37.10

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

Against 2025, SWICA moves by + 1.8 % and Visana by − 1.4 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.