Skip to content
Sophie

SWICA or Visana in Region 2 of canton Lucerne?

In Region 2, SWICA is CHF 104.40 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 476.60 a month, Visana to CHF 485.30. The gap is CHF 104.40 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 SWICA is worth CHF 610.80 more a year. Agrisano

Where they stand in the region

SWICA ranks 19 and Visana ranks 21, 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.

DeductibleSWICAVisanaGap
300CHF 550.90CHF 561.00− 10.10
500CHF 539.30CHF 554.30− 15.00
1'000CHF 510.10CHF 520.20− 10.10
1'500CHF 480.90CHF 491.00− 10.10
2'000CHF 451.80CHF 461.80− 10.00
2'500CHF 422.60CHF 432.70− 10.10

Model by model

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

ModelSWICAVisana
HMO practiceCHF 476.60CHF 485.30
Family doctorCHF 482.10CHF 488.10
Other modelCHF 512.40CHF 493.70
Free choice of doctorCHF 550.90CHF 561.00

How they moved in this region

Against 2025, SWICA moves by + 1.9 % and Visana by − 1.4 % in this region.

SWICA, Visana, 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.