vita surselva — Region 1 of canton Lucerne, 2026 premiums
vita surselva covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 412.65 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
vita surselva ranks 22 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 vita surselva to Atupri, the cheapest insurer in this region, saves CHF 1'101.60 a year for an adult on the same profile.
The full vita surselva table
76 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 |
|---|---|---|
| 300 | CHF 572.00 | CHF 543.40 |
| 500 | CHF 560.55 | CHF 532.55 |
| 1'000 | CHF 531.95 | CHF 505.35 |
| 1'500 | CHF 503.35 | CHF 478.20 |
| 2'000 | CHF 474.75 | CHF 445.60 |
| 2'500 | CHF 446.15 | CHF 415.15 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor |
|---|---|---|
| 300 | CHF 473.00 | CHF 449.35 |
| 500 | CHF 463.55 | CHF 440.35 |
| 1'000 | CHF 435.15 | CHF 408.90 |
| 1'500 | CHF 406.80 | CHF 381.95 |
| 2'000 | CHF 378.40 | CHF 350.50 |
| 2'500 | CHF 345.30 | CHF 321.75 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor |
|---|---|---|
| 0 | CHF 129.00 | CHF 122.55 |
| 100 | CHF 123.85 | CHF 117.65 |
| 200 | CHF 117.40 | CHF 111.50 |
| 300 | CHF 112.25 | CHF 105.40 |
| 400 | CHF 105.80 | CHF 99.25 |
| 500 | CHF 100.60 | CHF 94.35 |
| 600 | CHF 94.15 | CHF 88.25 |
With or without accident cover
With accident cover: CHF 572.00 a month. Without: CHF 568.55. Dropping it saves CHF 41.40 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 513.00 in 2025 to CHF 412.65 — a rise of 5.9 %.
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 |
| Visana | CHF 529.70 | 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.