Visana — Region 3 of canton Lucerne, 2026 premiums
Visana covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 333.70 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Visana ranks 22 out of 25 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 451.29 a month.
What staying costs
Moving from Visana to Agrisano, the cheapest insurer in this region, saves CHF 852.00 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 561.00 | CHF 488.10 | CHF 485.30 | CHF 493.70 |
| 500 | CHF 554.30 | CHF 481.50 | CHF 478.70 | CHF 487.10 |
| 1'000 | CHF 520.20 | CHF 447.30 | CHF 444.50 | CHF 452.90 |
| 1'500 | CHF 491.00 | CHF 418.10 | CHF 415.30 | CHF 423.70 |
| 2'000 | CHF 461.80 | CHF 389.00 | CHF 386.20 | CHF 394.60 |
| 2'500 | CHF 432.70 | CHF 359.80 | CHF 357.00 | CHF 365.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 392.80 | CHF 341.80 | CHF 341.80 | CHF 369.30 |
| 500 | CHF 386.20 | CHF 335.10 | CHF 335.10 | CHF 362.60 |
| 1'000 | CHF 352.00 | CHF 301.00 | CHF 301.00 | CHF 328.40 |
| 1'500 | CHF 322.80 | CHF 271.80 | CHF 271.80 | CHF 299.30 |
| 2'000 | CHF 293.70 | CHF 242.60 | CHF 242.60 | CHF 270.10 |
| 2'500 | CHF 264.50 | CHF 213.50 | CHF 213.50 | CHF 240.90 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 56.50 | CHF 49.20 | CHF 48.70 | CHF 49.70 |
| 100 | CHF 50.90 | CHF 44.30 | CHF 43.90 | CHF 44.80 |
| 200 | CHF 44.80 | CHF 38.90 | CHF 38.60 | CHF 39.40 |
| 300 | CHF 39.00 | CHF 31.70 | CHF 31.20 | CHF 32.20 |
| 400 | CHF 33.10 | CHF 30.40 | CHF 30.40 | CHF 30.40 |
| 500 | CHF 30.40 | CHF 30.40 | CHF 30.40 | CHF 30.40 |
| 600 | CHF 30.40 | CHF 30.40 | CHF 30.40 | CHF 30.40 |
With or without accident cover
With accident cover: CHF 561.00 a month. Without: CHF 524.30. Dropping it saves CHF 440.40 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 492.20 in 2025 to CHF 333.70 — a fall of 1.4 %.
The 55 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Lucerne, not to the municipality.
Aesch (LU) · Alberswil · Altbüron · Altishofen · Ballwil · Beromünster · Buttisholz · Büron · Dagmersellen · Doppleschwand · Egolzwil · Entlebuch · Ermensee · Eschenbach (LU) · Escholzmatt-Marbach · Ettiswil · Fischbach · Flühli · Geuensee · Gisikon · Greppen · Grossdietwil · Grosswangen · Hasle (LU) · Hergiswil bei Willisau · Hildisrieden · Hitzkirch · Hochdorf · Hohenrain · Inwil · Knutwil · Luthern · Mauensee · Menznau · Nebikon · Pfaffnau · Rain · Reiden · Rickenbach (LU) · Roggliswil · Romoos · Römerswil · Schlierbach · Schongau · Schwarzenberg · Schötz · Schüpfheim · Triengen · Ufhusen · Vitznau · Wauwil · Weggis · Wikon · Willisau · Zell (LU)
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 414.30 | View |
| Luzerner Hinterland | CHF 425.65 | View |
| Sanitas | CHF 429.50 | View |
| KPT | CHF 430.10 | View |
| Vivao Sympany | CHF 431.20 | View |
| sana24 | CHF 432.00 | View |
| CONCORDIA | CHF 435.20 | View |
| SWICA | CHF 437.40 | View |
| CSS | CHF 438.60 | View |
| Atupri | CHF 440.20 | View |
| Assura-Basis | CHF 440.20 | View |
| SLKK | CHF 442.70 | View |
| EGK | CHF 445.80 | View |
| ÖKK | CHF 446.20 | View |
| Galenos | CHF 446.30 | View |
| Avenir | CHF 446.90 | View |
| Sumiswalder | CHF 449.70 | View |
| Helsana | CHF 450.20 | View |
| Aquilana | CHF 451.00 | View |
| Philos | CHF 467.30 | View |
| rhenusana | CHF 476.10 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 521.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums.