Visana or Mutuel in Region 1 of canton Lucerne?
In Region 1, Visana is CHF 370.80 a year cheaper than Mutuel for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Visana comes down to CHF 529.70 a month, Mutuel to CHF 560.60. The gap is CHF 370.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to Visana is worth CHF 937.20 more a year. Atupri
Where they stand in the region
Visana ranks 21 and Mutuel ranks 24, 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 | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 618.00 | CHF 640.60 | − 22.60 |
| 500 | CHF 611.30 | CHF 629.10 | − 17.80 |
| 1'000 | CHF 577.20 | CHF 600.10 | − 22.90 |
| 1'500 | CHF 548.00 | CHF 570.60 | − 22.60 |
| 2'000 | CHF 518.80 | CHF 541.60 | − 22.80 |
| 2'500 | CHF 489.70 | CHF 512.60 | − 22.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | Mutuel |
|---|---|---|
| HMO practice | CHF 529.70 | CHF 563.80 |
| Family doctor | CHF 537.70 | CHF 583.00 |
| Other model | CHF 543.90 | CHF 560.60 |
| Free choice of doctor | CHF 618.00 | CHF 640.60 |
How they moved in this region
Against 2025, Visana moves by − 1.4 % and Mutuel by + 8.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.