SWICA — Region 3 of canton Lucerne, 2026 premiums
SWICA covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 287.50 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
SWICA ranks 8 out of 25 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 451.29 a month.
What staying costs
Moving from SWICA to Agrisano, the cheapest insurer in this region, saves CHF 277.20 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 523.80 | CHF 442.70 | CHF 437.40 | CHF 476.70 |
| 500 | CHF 512.20 | CHF 431.00 | CHF 425.80 | CHF 465.00 |
| 1'000 | CHF 483.00 | CHF 407.10 | CHF 401.80 | CHF 441.10 |
| 1'500 | CHF 453.80 | CHF 377.90 | CHF 372.70 | CHF 411.90 |
| 2'000 | CHF 424.70 | CHF 346.10 | CHF 338.30 | CHF 382.80 |
| 2'500 | CHF 395.50 | CHF 316.90 | CHF 309.10 | CHF 353.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 392.90 | CHF 341.90 | CHF 343.80 | CHF 369.40 |
| 500 | CHF 381.30 | CHF 330.20 | CHF 332.20 | CHF 357.70 |
| 1'000 | CHF 352.10 | CHF 305.00 | CHF 312.80 | CHF 328.50 |
| 1'500 | CHF 322.90 | CHF 275.80 | CHF 283.70 | CHF 299.40 |
| 2'000 | CHF 293.80 | CHF 242.70 | CHF 246.60 | CHF 270.20 |
| 2'500 | CHF 264.60 | CHF 213.50 | CHF 217.50 | CHF 241.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 52.40 | CHF 47.20 | CHF 49.60 | CHF 52.40 |
| 200 | CHF 42.00 | CHF 38.60 | CHF 40.50 | CHF 42.00 |
| 400 | CHF 31.50 | CHF 29.00 | CHF 30.40 | CHF 31.50 |
| 600 | CHF 28.20 | CHF 28.20 | CHF 28.20 | CHF 28.20 |
With or without accident cover
With accident cover: CHF 523.80 a month. Without: CHF 487.20. Dropping it saves CHF 439.20 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 429.40 in 2025 to CHF 287.50 — a rise of 1.9 %.
The 55 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Lucerne, not to the municipality.
Aesch (LU) · Alberswil · Altbüron · Altishofen · Ballwil · Beromünster · Buttisholz · Büron · Dagmersellen · Doppleschwand · Egolzwil · Entlebuch · Ermensee · Eschenbach (LU) · Escholzmatt-Marbach · Ettiswil · Fischbach · Flühli · Geuensee · Gisikon · Greppen · Grossdietwil · Grosswangen · Hasle (LU) · Hergiswil bei Willisau · Hildisrieden · Hitzkirch · Hochdorf · Hohenrain · Inwil · Knutwil · Luthern · Mauensee · Menznau · Nebikon · Pfaffnau · Rain · Reiden · Rickenbach (LU) · Roggliswil · Romoos · Römerswil · Schlierbach · Schongau · Schwarzenberg · Schötz · Schüpfheim · Triengen · Ufhusen · Vitznau · Wauwil · Weggis · Wikon · Willisau · Zell (LU)
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 414.30 | View |
| Luzerner Hinterland | CHF 425.65 | View |
| Sanitas | CHF 429.50 | View |
| KPT | CHF 430.10 | View |
| Vivao Sympany | CHF 431.20 | View |
| sana24 | CHF 432.00 | View |
| CONCORDIA | CHF 435.20 | View |
| CSS | CHF 438.60 | View |
| Atupri | CHF 440.20 | View |
| Assura-Basis | CHF 440.20 | View |
| SLKK | CHF 442.70 | View |
| EGK | CHF 445.80 | View |
| ÖKK | CHF 446.20 | View |
| Galenos | CHF 446.30 | View |
| Avenir | CHF 446.90 | View |
| Sumiswalder | CHF 449.70 | View |
| Helsana | CHF 450.20 | View |
| Aquilana | CHF 451.00 | View |
| Philos | CHF 467.30 | View |
| rhenusana | CHF 476.10 | View |
| Visana | CHF 485.30 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 521.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums.