SWICA or Visana in Region 3 of canton Lucerne?

In Region 3, SWICA is CHF 574.80 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 437.40 a month, Visana to CHF 485.30. The gap is CHF 574.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to SWICA is worth CHF 277.20 more a year. Agrisano

SWICA ranks 8 and Visana ranks 22, 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 523.80	CHF 561.00	− 37.20
500	CHF 512.20	CHF 554.30	− 42.10
1'000	CHF 483.00	CHF 520.20	− 37.20
1'500	CHF 453.80	CHF 491.00	− 37.20
2'000	CHF 424.70	CHF 461.80	− 37.10
2'500	CHF 395.50	CHF 432.70	− 37.20

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

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

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