Visana or EGK in Region 3 of canton Lucerne?
In Region 3, EGK is CHF 474.00 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 445.80 a month, Visana to CHF 485.30. The gap is CHF 474.00 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 EGK is worth CHF 378.00 more a year. Agrisano
Where they stand in the region
Visana ranks 22 and EGK ranks 13, 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 | EGK | Gap |
|---|---|---|---|
| 300 | CHF 561.00 | CHF 500.80 | + 60.20 |
| 500 | CHF 554.30 | CHF 489.10 | + 65.20 |
| 1'000 | CHF 520.20 | CHF 460.00 | + 60.20 |
| 1'500 | CHF 491.00 | CHF 430.80 | + 60.20 |
| 2'000 | CHF 461.80 | CHF 401.60 | + 60.20 |
| 2'500 | CHF 432.70 | CHF 372.50 | + 60.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | EGK |
|---|---|---|
| HMO practice | CHF 485.30 | — |
| Family doctor | CHF 488.10 | CHF 455.80 |
| Other model | CHF 493.70 | CHF 445.80 |
| Free choice of doctor | CHF 561.00 | CHF 500.80 |
How they moved in this region
Against 2025, Visana moves by − 1.4 % and EGK by + 7.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.