vita surselva — Region 3 of canton Lucerne, 2026 premiums
vita surselva covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 362.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
vita surselva ranks 23 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 vita surselva to Agrisano, the cheapest insurer in this region, saves CHF 865.20 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 512.00 | CHF 486.40 |
| 500 | CHF 501.75 | CHF 476.65 |
| 1'000 | CHF 476.15 | CHF 447.50 |
| 1'500 | CHF 445.45 | CHF 418.30 |
| 2'000 | CHF 414.70 | CHF 389.10 |
| 2'500 | CHF 384.00 | CHF 364.80 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor |
|---|---|---|
| 300 | CHF 431.00 | CHF 409.45 |
| 500 | CHF 422.40 | CHF 401.25 |
| 1'000 | CHF 392.20 | CHF 372.60 |
| 1'500 | CHF 362.05 | CHF 343.95 |
| 2'000 | CHF 331.85 | CHF 315.30 |
| 2'500 | CHF 306.00 | CHF 294.80 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor |
|---|---|---|
| 0 | CHF 122.00 | CHF 115.90 |
| 100 | CHF 117.10 | CHF 111.25 |
| 200 | CHF 111.00 | CHF 104.30 |
| 300 | CHF 104.90 | CHF 98.50 |
| 400 | CHF 98.80 | CHF 92.70 |
| 500 | CHF 93.95 | CHF 86.90 |
| 600 | CHF 87.85 | CHF 81.15 |
With or without accident cover
With accident cover: CHF 512.00 a month. Without: CHF 508.95. Dropping it saves CHF 36.60 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 459.00 in 2025 to CHF 362.60 — a rise of 6.0 %.
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 |
| Visana | CHF 485.30 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 521.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums.