Vivao Sympany — Region 1 of canton Lucerne, 2026 premiums
Vivao Sympany covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 313.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Vivao Sympany ranks 3 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 Vivao Sympany to Atupri, the cheapest insurer in this region, saves CHF 166.80 a year for an adult on the same profile.
The full Vivao Sympany table
192 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 535.00 | CHF 476.20 | CHF 465.50 | CHF 473.50 |
| 500 | CHF 523.40 | CHF 464.50 | CHF 453.80 | CHF 461.90 |
| 1'000 | CHF 494.20 | CHF 435.40 | CHF 424.70 | CHF 432.70 |
| 1'500 | CHF 465.00 | CHF 406.20 | CHF 395.50 | CHF 403.50 |
| 2'000 | CHF 435.90 | CHF 377.00 | CHF 366.30 | CHF 374.40 |
| 2'500 | CHF 406.70 | CHF 347.90 | CHF 337.20 | CHF 345.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 390.60 | CHF 347.60 | CHF 339.80 | CHF 345.70 |
| 500 | CHF 378.90 | CHF 336.00 | CHF 328.20 | CHF 334.00 |
| 1'000 | CHF 349.80 | CHF 306.80 | CHF 299.00 | CHF 304.90 |
| 1'500 | CHF 320.60 | CHF 277.60 | CHF 269.80 | CHF 275.70 |
| 2'000 | CHF 291.40 | CHF 248.50 | CHF 240.70 | CHF 246.50 |
| 2'500 | CHF 262.30 | CHF 219.30 | CHF 211.50 | CHF 217.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 157.90 | CHF 140.50 | CHF 137.40 | CHF 139.70 |
| 200 | CHF 146.20 | CHF 128.80 | CHF 125.70 | CHF 128.10 |
| 400 | CHF 134.50 | CHF 117.20 | CHF 114.00 | CHF 116.40 |
| 600 | CHF 122.90 | CHF 105.50 | CHF 102.40 | CHF 104.70 |
With or without accident cover
With accident cover: CHF 535.00 a month. Without: CHF 497.60. Dropping it saves CHF 448.80 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 428.40 in 2025 to CHF 313.60 — a rise of 8.7 %.
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 |
| 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 |
| 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.