Visana or CONCORDIA in Region 3 of canton Lucerne?
In Region 3, CONCORDIA is CHF 601.20 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 435.20 a month, Visana to CHF 485.30. The gap is CHF 601.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to CONCORDIA is worth CHF 250.80 more a year. Agrisano
Where they stand in the region
Visana ranks 22 and CONCORDIA ranks 7, 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 509.00 | + 52.00 |
| 500 | CHF 554.30 | CHF 497.40 | + 56.90 |
| 1'000 | CHF 520.20 | CHF 468.20 | + 52.00 |
| 1'500 | CHF 491.00 | CHF 439.00 | + 52.00 |
| 2'000 | CHF 461.80 | CHF 409.90 | + 51.90 |
| 2'500 | CHF 432.70 | CHF 380.70 | + 52.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | CONCORDIA |
|---|---|---|
| HMO practice | CHF 485.30 | CHF 435.20 |
| Family doctor | CHF 488.10 | CHF 458.10 |
| Other model | CHF 493.70 | CHF 442.90 |
| Free choice of doctor | CHF 561.00 | CHF 509.00 |
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.