Canton of Lucerne: Health insurances & premiums in comparison

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.

health insurance Lucerne

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The cheapest health insurances in the canton of Lucerne

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

Canton Lucerne: Premium region 2

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.

Canton of Lucerne: Premium region 3

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.

Compare and change health insurance companies in Lucerne

Health insurance premiums in the canton of Lucerne vary considerably depending on the health insurance company. The health insurance comparison helps to find the cheapest health insurance in the canton of Lucerne. It is important to note that the benefits of basic health insurance are set by law and remain identical regardless of the health insurance company. Savings on premiums are made by changing health insurances.

Basic insurance savings models in Lucerne

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 standard model. However, if you are willing to commit to a specific contact person or a consultation hotline, you can save money in Lucerne through models such as family doctor, HMO or Telmed models.

Changing the deductible rate in Lucerne

Adult policyholders in Lucerne can choose from a total of 6 deductibles, ranging from 300 francs to 2,500 francs. The choice of deductible rate has a direct influence on the amount of the health insurance premium. As a rule of thumb, if you choose a higher deductible rate, the monthly premium will be lower. Therefore, it may be worthwhile for people with lower health costs to choose a higher deductible rate. This way, you can save up to CHF 1,000 over the course of the year.

Health insurance premiums by canton

The health insurance premiums by canton and premium region are listed below: