SWICA — Region 1 of canton Lucerne, 2026 premiums
SWICA covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 342.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
SWICA ranks 15 out of 25 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 498.12 a month.
What staying costs
Moving from SWICA to Atupri, the cheapest insurer in this region, saves CHF 541.20 a year for an adult on the same profile.
The full SWICA table
280 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 580.90 | CHF 505.40 | CHF 496.70 | CHF 528.70 |
| 500 | CHF 569.30 | CHF 493.80 | CHF 485.10 | CHF 517.00 |
| 1'000 | CHF 540.10 | CHF 470.40 | CHF 461.70 | CHF 493.60 |
| 1'500 | CHF 510.90 | CHF 441.20 | CHF 432.50 | CHF 464.50 |
| 2'000 | CHF 481.80 | CHF 406.30 | CHF 397.60 | CHF 435.30 |
| 2'500 | CHF 452.60 | CHF 377.10 | CHF 368.40 | CHF 406.10 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 435.70 | CHF 387.80 | CHF 390.00 | CHF 409.60 |
| 500 | CHF 424.10 | CHF 376.20 | CHF 378.30 | CHF 397.90 |
| 1'000 | CHF 394.90 | CHF 351.30 | CHF 360.10 | CHF 368.80 |
| 1'500 | CHF 365.70 | CHF 322.20 | CHF 330.90 | CHF 339.60 |
| 2'000 | CHF 336.60 | CHF 288.70 | CHF 293.00 | CHF 310.40 |
| 2'500 | CHF 307.40 | CHF 259.50 | CHF 263.80 | CHF 281.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 58.10 | CHF 53.50 | CHF 56.10 | CHF 58.10 |
| 200 | CHF 46.50 | CHF 43.70 | CHF 45.80 | CHF 46.50 |
| 400 | CHF 34.90 | CHF 32.80 | CHF 34.40 | CHF 34.90 |
| 600 | CHF 31.30 | CHF 31.30 | CHF 31.30 | CHF 31.30 |
With or without accident cover
With accident cover: CHF 580.90 a month. Without: CHF 540.30. Dropping it saves CHF 487.20 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 487.70 in 2025 to CHF 342.60 — a rise of 1.8 %.
The 5 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Lucerne, not to the municipality.
The other insurers in Region 1
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Atupri | CHF 451.60 | View |
| Sanitas | CHF 461.60 | View |
| Vivao Sympany | CHF 465.50 | View |
| Helsana | CHF 472.00 | View |
| Luzerner Hinterland | CHF 472.40 | View |
| CSS | CHF 473.80 | View |
| Avenir | CHF 475.40 | View |
| CONCORDIA | CHF 476.00 | View |
| Assura-Basis | CHF 478.80 | View |
| ÖKK | CHF 481.40 | View |
| sana24 | CHF 484.50 | View |
| EGK | CHF 491.60 | View |
| Galenos | CHF 495.30 | View |
| Agrisano | CHF 496.20 | View |
| KPT | CHF 498.70 | View |
| Aquilana | CHF 500.60 | View |
| Sumiswalder | CHF 504.50 | View |
| SLKK | CHF 508.90 | View |
| Philos | CHF 510.70 | View |
| Visana | CHF 529.70 | View |
| vita surselva | CHF 543.40 | View |
| rhenusana | CHF 547.90 | View |
| Mutuel | CHF 560.60 | View |
| Einsiedler | CHF 575.25 | View |
Source: Federal Office of Public Health (FOPH), official premiums.