There are a total of 29 health insurances in the canton of Lucerne. These 29 health insurances offer different models of basic insurance. Although all health insurances in Lucerne are required by law to provide benefits, the monthly premiums can vary greatly. This depends on various factors such as the health insurance company chosen, the model of basic insurance, the deductible rate chosen, the premium region and the age of the insured person in the canton of Lucerne.
These differences are also clearly visible in the health insurance premiums for 2024 in Lucerne. The cheapest monthly premium in the canton of Lucerne is currently CHF 226.45, while the most expensive is CHF 620.25. If you take a few important points into account when choosing your health insurance, you can make considerable savings in Lucerne. In fact, it is possible to save up to CHF 4’725.60 in the canton of Lucerne.
Please note that the premiums indicated for 2024 are based on current information and may change during the course of the year. It is advisable to regularly check the current premiums and conditions of the health insurances.
In 2024, health insurance premiums in the canton of Lucerne rose by 7.5% compared to 2023. Assura, Sympany and Groupe Mutuel are the cheapest health insurances in the canton of Lucerne. According to the FOPH, the rising premiums are the result of the growing costs in the healthcare sector, which are due to the increasing average age and medical and technological progress.
The 10 cheapest health insurances in the canton of Lucerne are listed below:
Health insurance | Model | Premiums in CHF |
---|---|---|
Assura | Qualimed | 266.85 |
Sympany | HMO | 269.05 |
Groupe Mutuel | PrimaFlex | 269.45 |
Sanitas | NetMed | 271.25 |
Concordia | HMO | 272.95 |
CSS | HMO | 274.55 |
KPT | KPTwin | 281.95 |
Sumiswalder | Telmed | 285.25 |
Atupri | SmartCare | 286.35 |
Helsana | Benefit Plus | 289.45 |
*For adults aged 26 and over with deductible rate 2500 (without accident cover) in the canton of Lucerne
*Region 1: City of Lucerne
The 10 cheapest health insurance companies in premium region 2(Canton of Lucerne) are listed below:
Health insurance | Model | Premiums in CHF |
---|---|---|
KPT | KPTwin | 243.05 |
CSS | HMO | 245.65 |
Sympany | HMO | 248.15 |
Assura | Qualimed | 248.65 |
Concordia | HMO | 248.95 |
EGK | TelCare | 249.05 |
Sanitas | NetMed | 251.95 |
Groupe Mutuel | PrimaFlex | 253.75 |
Atupri | SmartCare | 256.85 |
Agrisano | AGRIsmart | 260.65 |
*For adults aged 26 and over with deductible rate 2500 (without accident cover) in premium region 2(Canton of Lucernee).
*Premium region 2: Entlebuch, Hochdorf, Luzern-Land, Sursee.
The 10 cheapest health insurance companies in premium region 3(Canton Lucerne) are listed below:
Health insurance | Model | Premiums in CHF |
---|---|---|
EGK | TelCare | 226.45 |
CSS | HMO | 227.90 |
KPT | KPTwin | 235.05 |
Assura | Qualimed | 235.15 |
Concordia | HMO | 235.15 |
Sanitas | NetMed | 239.85 |
Groupe Mutuel | PrimaFlex | 245.75 |
Sympany | HMO | 249.75 |
Helsana | Benefit Plus | 258.95 |
Swica | HMO | 261.45 |
*For adults aged 26 and over with deductible rate 2500 (without accident cover) in premium region 3(Canton of Lucerne)
*Premium region 3: Entlebuch, Hochdorf, Luzern-Land, Sursee, Willisau.
Health insurance premiums in the canton of Lucerne vary considerably depending on the health insurance company. The
The models of basic insurance can also influence the amount of health insurance premiums in Lucerne. As a rule, insured persons pay more if they opt for a model with free choice of doctor, such as the
Adult policyholders in Lucerne can choose from a total of 6
The health insurance premiums by canton and premium region are listed below: