Visana or CONCORDIA in Region 2 of canton Lucerne?
In Region 2, CONCORDIA is CHF 454.80 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
CONCORDIA comes down to CHF 447.40 a month, Visana to CHF 485.30. The gap is CHF 454.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to CONCORDIA is worth CHF 260.40 more a year. Agrisano
Where they stand in the region
Visana ranks 21 and CONCORDIA ranks 8, out of 25 active insurers in this region.
Deductible by deductible
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 | Visana | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 561.00 | CHF 523.20 | + 37.80 |
| 500 | CHF 554.30 | CHF 511.60 | + 42.70 |
| 1'000 | CHF 520.20 | CHF 482.40 | + 37.80 |
| 1'500 | CHF 491.00 | CHF 453.20 | + 37.80 |
| 2'000 | CHF 461.80 | CHF 424.10 | + 37.70 |
| 2'500 | CHF 432.70 | CHF 394.90 | + 37.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | CONCORDIA |
|---|---|---|
| HMO practice | CHF 485.30 | CHF 447.40 |
| Family doctor | CHF 488.10 | CHF 470.90 |
| Other model | CHF 493.70 | CHF 455.20 |
| Free choice of doctor | CHF 561.00 | CHF 523.20 |
How they moved in this region
Against 2025, Visana moves by − 1.4 % and CONCORDIA by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.