Vivao Sympany — Region 3 of canton Lucerne, 2026 premiums
Vivao Sympany covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 281.70 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Vivao Sympany ranks 5 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 Vivao Sympany to Agrisano, the cheapest insurer in this region, saves CHF 202.80 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 490.00 | CHF 436.10 | CHF 431.20 | CHF 436.10 |
| 500 | CHF 478.40 | CHF 424.50 | CHF 419.60 | CHF 424.50 |
| 1'000 | CHF 449.20 | CHF 395.30 | CHF 390.40 | CHF 395.30 |
| 1'500 | CHF 420.00 | CHF 366.10 | CHF 361.20 | CHF 366.10 |
| 2'000 | CHF 390.90 | CHF 337.00 | CHF 332.10 | CHF 337.00 |
| 2'500 | CHF 361.70 | CHF 307.80 | CHF 302.90 | CHF 307.80 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 357.70 | CHF 318.40 | CHF 314.80 | CHF 318.40 |
| 500 | CHF 346.10 | CHF 306.70 | CHF 303.20 | CHF 306.70 |
| 1'000 | CHF 316.90 | CHF 277.60 | CHF 274.00 | CHF 277.60 |
| 1'500 | CHF 287.70 | CHF 248.40 | CHF 244.80 | CHF 248.40 |
| 2'000 | CHF 258.60 | CHF 219.20 | CHF 215.70 | CHF 219.20 |
| 2'500 | CHF 229.40 | CHF 192.40 | CHF 192.40 | CHF 192.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 144.60 | CHF 128.70 | CHF 127.30 | CHF 128.70 |
| 200 | CHF 132.90 | CHF 117.00 | CHF 115.60 | CHF 117.00 |
| 400 | CHF 121.30 | CHF 105.40 | CHF 103.90 | CHF 105.40 |
| 600 | CHF 109.60 | CHF 93.70 | CHF 92.30 | CHF 93.70 |
With or without accident cover
With accident cover: CHF 490.00 a month. Without: CHF 455.70. Dropping it saves CHF 411.60 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 403.40 in 2025 to CHF 281.70 — a rise of 6.9 %.
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 |
| 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 |
| 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.