Vivao Sympany — Region 2 of canton Lucerne, 2026 premiums
Vivao Sympany covers the 19 municipalities of Region 2 in canton Lucerne. Its lowest adult premium here is CHF 295.00 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Vivao Sympany ranks 6 out of 25 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 464.78 a month.
What staying costs
Moving from Vivao Sympany to Agrisano, the cheapest insurer in this region, saves CHF 237.60 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 515.00 | CHF 458.40 | CHF 445.50 | CHF 448.10 |
| 500 | CHF 503.40 | CHF 446.70 | CHF 433.90 | CHF 436.40 |
| 1'000 | CHF 474.20 | CHF 417.60 | CHF 404.70 | CHF 407.30 |
| 1'500 | CHF 445.00 | CHF 388.40 | CHF 375.50 | CHF 378.10 |
| 2'000 | CHF 415.90 | CHF 359.20 | CHF 346.40 | CHF 348.90 |
| 2'500 | CHF 386.70 | CHF 330.10 | CHF 317.20 | CHF 319.80 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 376.00 | CHF 334.60 | CHF 325.20 | CHF 327.10 |
| 500 | CHF 364.30 | CHF 323.00 | CHF 313.60 | CHF 315.50 |
| 1'000 | CHF 335.20 | CHF 293.80 | CHF 284.40 | CHF 286.30 |
| 1'500 | CHF 306.00 | CHF 264.60 | CHF 255.20 | CHF 257.10 |
| 2'000 | CHF 276.80 | CHF 235.50 | CHF 226.10 | CHF 228.00 |
| 2'500 | CHF 247.70 | CHF 206.30 | CHF 202.20 | CHF 202.20 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 152.00 | CHF 135.30 | CHF 131.50 | CHF 132.20 |
| 200 | CHF 140.30 | CHF 123.60 | CHF 119.80 | CHF 120.60 |
| 400 | CHF 128.60 | CHF 111.90 | CHF 108.10 | CHF 108.90 |
| 600 | CHF 117.00 | CHF 100.30 | CHF 96.50 | CHF 97.20 |
With or without accident cover
With accident cover: CHF 515.00 a month. Without: CHF 479.00. Dropping it saves CHF 432.00 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 419.70 in 2025 to CHF 295.00 — a rise of 6.1 %.
The 19 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Lucerne, not to the municipality.
Adligenswil · Buchrain · Dierikon · Eich · Malters · Meggen · Meierskappel · Neuenkirch · Nottwil · Oberkirch · Root · Rothenburg · Ruswil · Schenkon · Sempach · Sursee · Udligenswil · Werthenstein · Wolhusen
The other insurers in Region 2
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 425.70 | View |
| Luzerner Hinterland | CHF 440.45 | View |
| CSS | CHF 441.70 | View |
| Sanitas | CHF 443.60 | View |
| sana24 | CHF 445.10 | View |
| KPT | CHF 446.90 | View |
| CONCORDIA | CHF 447.40 | View |
| EGK | CHF 451.20 | View |
| Atupri | CHF 455.70 | View |
| Avenir | CHF 456.40 | View |
| Assura-Basis | CHF 456.60 | View |
| SLKK | CHF 458.00 | View |
| ÖKK | CHF 458.50 | View |
| Helsana | CHF 458.60 | View |
| Galenos | CHF 464.50 | View |
| Sumiswalder | CHF 464.60 | View |
| Aquilana | CHF 468.20 | View |
| SWICA | CHF 476.60 | View |
| Philos | CHF 485.20 | View |
| Visana | CHF 485.30 | View |
| rhenusana | CHF 498.60 | View |
| vita surselva | CHF 505.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 526.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.