SWICA — Region 2 of canton Lucerne, 2026 premiums
SWICA covers the 19 municipalities of Region 2 in canton Lucerne. Its lowest adult premium here is CHF 323.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
SWICA ranks 19 out of 25 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 464.78 a month.
What staying costs
Moving from SWICA to Agrisano, the cheapest insurer in this region, saves CHF 610.80 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 550.90 | CHF 482.10 | CHF 476.60 | CHF 512.40 |
| 500 | CHF 539.30 | CHF 470.40 | CHF 464.90 | CHF 500.70 |
| 1'000 | CHF 510.10 | CHF 446.80 | CHF 441.30 | CHF 477.10 |
| 1'500 | CHF 480.90 | CHF 417.60 | CHF 412.10 | CHF 447.90 |
| 2'000 | CHF 451.80 | CHF 385.70 | CHF 377.40 | CHF 418.70 |
| 2'500 | CHF 422.60 | CHF 356.50 | CHF 348.20 | CHF 389.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 413.20 | CHF 371.90 | CHF 374.00 | CHF 396.70 |
| 500 | CHF 401.60 | CHF 360.30 | CHF 362.30 | CHF 385.10 |
| 1'000 | CHF 372.40 | CHF 335.20 | CHF 343.50 | CHF 355.90 |
| 1'500 | CHF 343.20 | CHF 306.10 | CHF 314.30 | CHF 326.70 |
| 2'000 | CHF 314.10 | CHF 272.80 | CHF 276.90 | CHF 297.60 |
| 2'500 | CHF 284.90 | CHF 243.60 | CHF 247.70 | CHF 268.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 55.10 | CHF 51.30 | CHF 53.80 | CHF 55.10 |
| 200 | CHF 44.10 | CHF 41.90 | CHF 43.90 | CHF 44.10 |
| 400 | CHF 33.10 | CHF 31.50 | CHF 32.90 | CHF 33.10 |
| 600 | CHF 29.70 | CHF 29.70 | CHF 29.70 | CHF 29.70 |
With or without accident cover
With accident cover: CHF 550.90 a month. Without: CHF 512.40. Dropping it saves CHF 462.00 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 467.90 in 2025 to CHF 323.90 — a rise of 1.9 %.
The 19 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Lucerne, not to the municipality.
Adligenswil · Buchrain · Dierikon · Eich · Malters · Meggen · Meierskappel · Neuenkirch · Nottwil · Oberkirch · Root · Rothenburg · Ruswil · Schenkon · Sempach · Sursee · Udligenswil · Werthenstein · Wolhusen
The other insurers in Region 2
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 425.70 | View |
| Luzerner Hinterland | CHF 440.45 | View |
| CSS | CHF 441.70 | View |
| Sanitas | CHF 443.60 | View |
| sana24 | CHF 445.10 | View |
| Vivao Sympany | CHF 445.50 | View |
| KPT | CHF 446.90 | View |
| CONCORDIA | CHF 447.40 | View |
| EGK | CHF 451.20 | View |
| Atupri | CHF 455.70 | View |
| Avenir | CHF 456.40 | View |
| Assura-Basis | CHF 456.60 | View |
| SLKK | CHF 458.00 | View |
| ÖKK | CHF 458.50 | View |
| Helsana | CHF 458.60 | View |
| Galenos | CHF 464.50 | View |
| Sumiswalder | CHF 464.60 | View |
| Aquilana | CHF 468.20 | View |
| Philos | CHF 485.20 | View |
| Visana | CHF 485.30 | View |
| rhenusana | CHF 498.60 | View |
| vita surselva | CHF 505.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 526.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.