Visana or EGK in Region 1 of canton Lucerne?

In Region 1, EGK is CHF 457.20 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

EGK comes down to CHF 491.60 a month, Visana to CHF 529.70. The gap is CHF 457.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to EGK is worth CHF 480.00 more a year. Atupri

Visana ranks 21 and EGK ranks 12, out of 25 active insurers in this region.

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	EGK	Gap
300	CHF 618.00	CHF 560.80	+ 57.20
500	CHF 611.30	CHF 549.20	+ 62.10
1'000	CHF 577.20	CHF 520.00	+ 57.20
1'500	CHF 548.00	CHF 490.80	+ 57.20
2'000	CHF 518.80	CHF 461.70	+ 57.10
2'500	CHF 489.70	CHF 432.50	+ 57.20

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, Visana moves by − 1.4 % and EGK by + 5.9 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.