Visana or Mutuel in Region 3 of canton Lucerne?
In Region 3, Visana is CHF 432.00 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 485.30 a month, Mutuel to CHF 521.30. The gap is CHF 432.00 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 Visana is worth CHF 852.00 more a year. Agrisano
Where they stand in the region
Visana ranks 22 and Mutuel ranks 25, 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 561.00 | CHF 595.80 | − 34.80 |
| 500 | CHF 554.30 | CHF 584.30 | − 30.00 |
| 1'000 | CHF 520.20 | CHF 555.30 | − 35.10 |
| 1'500 | CHF 491.00 | CHF 525.80 | − 34.80 |
| 2'000 | CHF 461.80 | CHF 496.80 | − 35.00 |
| 2'500 | CHF 432.70 | CHF 467.80 | − 35.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | Mutuel |
|---|---|---|
| HMO practice | CHF 485.30 | CHF 524.30 |
| Family doctor | CHF 488.10 | CHF 542.20 |
| Other model | CHF 493.70 | CHF 521.30 |
| Free choice of doctor | CHF 561.00 | CHF 595.80 |
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.