Visana — Region 1 of canton Lucerne, 2026 premiums
Visana covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 375.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Visana ranks 21 out of 25 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 498.12 a month.
What staying costs
Moving from Visana to Atupri, the cheapest insurer in this region, saves CHF 937.20 a year for an adult on the same profile.
The full Visana table
364 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 618.00 | CHF 537.70 | CHF 529.70 | CHF 543.90 |
| 500 | CHF 611.30 | CHF 531.00 | CHF 523.00 | CHF 537.20 |
| 1'000 | CHF 577.20 | CHF 496.90 | CHF 488.80 | CHF 503.10 |
| 1'500 | CHF 548.00 | CHF 467.70 | CHF 459.70 | CHF 473.90 |
| 2'000 | CHF 518.80 | CHF 438.50 | CHF 430.50 | CHF 444.70 |
| 2'500 | CHF 489.70 | CHF 409.40 | CHF 401.30 | CHF 415.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 432.70 | CHF 376.50 | CHF 370.90 | CHF 405.10 |
| 500 | CHF 426.10 | CHF 369.90 | CHF 364.20 | CHF 398.40 |
| 1'000 | CHF 391.90 | CHF 335.70 | CHF 330.10 | CHF 364.20 |
| 1'500 | CHF 362.70 | CHF 306.50 | CHF 300.90 | CHF 335.10 |
| 2'000 | CHF 333.60 | CHF 277.40 | CHF 271.70 | CHF 305.90 |
| 2'500 | CHF 304.40 | CHF 248.20 | CHF 242.60 | CHF 276.70 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 62.20 | CHF 54.10 | CHF 53.10 | CHF 54.70 |
| 100 | CHF 56.30 | CHF 48.80 | CHF 47.90 | CHF 49.30 |
| 200 | CHF 50.50 | CHF 42.80 | CHF 42.10 | CHF 43.30 |
| 300 | CHF 44.70 | CHF 36.60 | CHF 35.60 | CHF 37.20 |
| 400 | CHF 38.80 | CHF 33.50 | CHF 33.50 | CHF 33.50 |
| 500 | CHF 33.50 | CHF 33.50 | CHF 33.50 | CHF 33.50 |
| 600 | CHF 33.50 | CHF 33.50 | CHF 33.50 | CHF 33.50 |
With or without accident cover
With accident cover: CHF 618.00 a month. Without: CHF 577.60. Dropping it saves CHF 484.80 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 537.10 in 2025 to CHF 375.10 — a fall of 1.4 %.
The 5 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Lucerne, not to the municipality.
The other insurers in Region 1
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Atupri | CHF 451.60 | View |
| Sanitas | CHF 461.60 | View |
| Vivao Sympany | CHF 465.50 | View |
| Helsana | CHF 472.00 | View |
| Luzerner Hinterland | CHF 472.40 | View |
| CSS | CHF 473.80 | View |
| Avenir | CHF 475.40 | View |
| CONCORDIA | CHF 476.00 | View |
| Assura-Basis | CHF 478.80 | View |
| ÖKK | CHF 481.40 | View |
| sana24 | CHF 484.50 | View |
| EGK | CHF 491.60 | View |
| Galenos | CHF 495.30 | View |
| Agrisano | CHF 496.20 | View |
| SWICA | CHF 496.70 | View |
| KPT | CHF 498.70 | View |
| Aquilana | CHF 500.60 | View |
| Sumiswalder | CHF 504.50 | View |
| SLKK | CHF 508.90 | View |
| Philos | CHF 510.70 | View |
| vita surselva | CHF 543.40 | View |
| rhenusana | CHF 547.90 | View |
| Mutuel | CHF 560.60 | View |
| Einsiedler | CHF 575.25 | View |
Source: Federal Office of Public Health (FOPH), official premiums.