Health insurance in the canton of Lucerne: 2026 premiums compared
Official basic insurance premiums — premium region Luzern
CHF 446.45
Cheapest premium (CHF 300 deductible)
CHF 515.54
Average (CHF 300 deductible)
CHF 318.15
Cheapest premium (CHF 2,500 deductible)
110
Tariffs compared
Lucerne is the hub of central Switzerland and one of only three cantons divided into three premium regions: the city of Lucerne and its agglomeration with Kriens, Emmen and Horw lie in the most expensive region, areas such as Sursee and Willisau in the middle one, and rural areas like the Entlebuch in the cheapest. The Lucerne cantonal hospital ensures care across the canton with several sites.
The cheapest health insurers in the canton of Lucerne
| Insurer | Tariff | Model | Premium/month |
|---|
Adult (born 1990), CHF 300 deductible, with accident cover, premium region Luzern — official FOPH premiums 2026 · 07.09.2026
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Calculate premiums in the canton of Lucerne →Frequently asked questions — health insurance in the canton of Lucerne
How many premium regions does the canton of Lucerne have?▼
The canton of Lucerne is divided into three premium regions — as many as only Bern and Zurich besides it. The city of Lucerne and the agglomeration lie in the most expensive region, the midlands around Sursee and Willisau in the middle one, and rural areas such as the Entlebuch in the cheapest. The same insurer charges different premiums depending on your municipality.
What should insured persons in the canton of Lucerne pay attention to?▼
Whenever you move — for example from Kriens to the countryside — check your new premium region, as the differences within the canton are noticeable. HMO and group practices are readily available in the city of Lucerne and its agglomeration, while in the Entlebuch and smaller rural municipalities family-doctor and telemedicine models are usually the more practical ways to save.
How do I switch health insurer in the canton of Lucerne?▼
Cancel your basic insurance in writing by 30 November at the latest; the letter must reach your current insurer by then. The old contract ends on 31 December and the new policy starts on 1 January. There is no health check — every insurer must accept you, whether you live in the city of Lucerne or the Entlebuch.