SWICA in the canton of Lucerne — 2026 premiums
SWICA covers the 79 municipalities of the canton of Lucerne. Its lowest adult premium there is CHF 437.40 a month, with a 300-franc deductible and accident cover included.
Where it stands
SWICA ranks 8 out of 25 active insurers in the canton of Lucerne, cheapest to dearest.
The cantonal average across all insurers is CHF 451.29 a month.
What switching would save you
Moving from SWICA to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 277.20 a year — for strictly identical cover, since the law requires the same benefits from every insurer.
The figure is for an adult with a 300-franc deductible and accident cover. Your actual gap depends on your age, your deductible and your municipality — the comparator works it out for your situation.
Premium regions in the canton of Lucerne
A premium does not depend on the municipality but on the premium region it belongs to. Every municipality in the same region pays the same rate with the same insurer.
The models offered by SWICA
The model changes the price without changing the benefits: what varies is your freedom to choose your first point of care.
| Model | Premium |
|---|---|
| HMO practice — FAVORIT SANTE | CHF 496.70 |
| Family doctor — FAVORIT CASA | CHF 505.40 |
| Other model — FAVORIT TELMED | CHF 528.70 |
| Free choice of doctor — Grundversicherung | CHF 580.90 |
The twelve years, year by year
Since 2015, the lowest SWICA premium here has moved by +43.4 %, against +74.7 % for the cheapest insurer in the same place. The twelve years, year by year
The other insurers in the canton of Lucerne
25 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 414.30 | View |
| Krankenkasse Luzerner Hinterland | CHF 425.65 | View |
| Sanitas Grundversicherungen AG | CHF 429.50 | View |
| KPT Caisse-maladie SA | CHF 430.10 | View |
| Vivao Sympany SA | CHF 431.20 | View |
| sana24 AG | CHF 432.00 | View |
| CONCORDIA Assurance suisse de maladie et accidents SA | CHF 435.20 | View |
| CSS Assurance-maladie SA | CHF 438.60 | View |
| Atupri Assurance de la santé SA | CHF 440.20 | View |
| Assura-Basis SA | CHF 440.20 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 442.70 | View |
| EGK Grundversicherungen AG | CHF 445.80 | View |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 446.20 | View |
| Galenos AG | CHF 446.30 | View |
| Avenir Assurance Maladie SA | CHF 446.90 | View |
| Sumiswalder Krankenkasse | CHF 449.70 | View |
| Helsana Assurances SA | CHF 450.20 | View |
| Aquilana Versicherungen | CHF 451.00 | View |
| Philos Assurance Maladie SA | CHF 467.30 | View |
| rhenusana | CHF 476.10 | View |
| Visana AG | CHF 485.30 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler Krankenkasse | CHF 512.75 | View |
| Mutuel Assurance Maladie SA | CHF 521.30 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.