Visana or EGK in Region 2 of canton Lucerne?

In Region 2, EGK is CHF 409.20 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 451.20 a month, Visana to CHF 485.30. The gap is CHF 409.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to EGK is worth CHF 306.00 more a year. Agrisano

Visana ranks 21 and EGK ranks 9, 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 561.00	CHF 521.60	+ 39.40
500	CHF 554.30	CHF 509.90	+ 44.40
1'000	CHF 520.20	CHF 480.80	+ 39.40
1'500	CHF 491.00	CHF 451.60	+ 39.40
2'000	CHF 461.80	CHF 422.40	+ 39.40
2'500	CHF 432.70	CHF 393.30	+ 39.40

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

Against 2025, Visana moves by − 1.4 % and EGK by + 7.0 % in this region.

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