Region 1 · Urban
+4.9% (+4.0%)
Ø weighted CHF 379.57 →
398.21/month
Cheapest insurer: +4.4%
Canton of LucerneHealth insurance Lucerne:
Health insurance Lucerne:
compare 2027 premiums
Compare the compulsory basic insurance (OKP) of every health insurer in the canton of Lucerne for free and without bias — using the premium region that actually applies to your municipality.
25insurers active
3premium regions
79municipalities
The canton of Lucerne has 3 premium regions with noticeably different premiums — Region 1 (Luzern) is on average around 13.9% above Region 3. Enter your postcode below or pick a region directly to see the premiums that apply to you.
Canton of Lucerne
438'067Insured persons in the canton of Lucerne (FOPH, reference year 2024 — latest available figure)Location in Switzerland
4.9%Share of all insured persons in SwitzerlandPremium regions
- Region 1
- Region 2
- Region 3
The 5 largest health insurers in the canton of Lucerne
By number of insured persons in the canton (FOPH data), not by premium level
33.9%
- CONCORDIA
23.6%
9.3%
- Luzerner Hinterland
4.7%
4.5%
Together these 5 insurers cover around 76% of everyone in the canton of Lucerne — the remaining 17 share the other 24%. Size says nothing about price: the cheapest insurer in the results below is usually not one of the largest.
Premium development 2025 
2026 in the canton of Lucerne
Official FOPH figure · average premium+4.0%
Canton of Lucerne · CHF 338.40/month
+4.4%
Switzerland overall · CHF 393.30/month
For context: reference-profile comparison by region
Not the same measure as the average premium above — the FOPH averages over all deductibles, models and age groups actually chosen; below is a single fixed profile (adults 26+, CHF 2,500 deductible, no accident cover, standard model). Main figure = average of this profile weighted by each insurer's membership; value in brackets = simple unweighted average.Region 2 · Suburban
+5.2% (+4.4%)
Ø weighted CHF 349.60 →
367.67/month
Cheapest insurer: +3.1%
Region 3 · Rural
+4.9% (+4.4%)
Ø weighted CHF 334.78 →
351.33/month
Cheapest insurer: +3.2%
Whole canton
+5.0% (+4.2%)
Ø weighted CHF 354.65 →
372.40/month
All regions combined
How are these figures calculated?
Cheapest premium
Luzern (Region 1)
Adults 26+, CHF 2,500 deductible, no accident cover
CHF …
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By municipality
See premiums in your municipality
The right premium region for the largest towns in the canton of Lucerne — with the exact minimum premiums that apply there.Luzern
from CHF …/month
Emmen
from CHF …/month
Sursee
from CHF …/month
Hochdorf
from CHF …/month
Willisau
from CHF …/month
Rothenburg
from CHF …/month
Questions & answers
Frequently asked questions about the canton of Lucerne
You can choose from 25 health insurers offering basic insurance in the canton of Lucerne. You'll see all of them in the list below, presented neutrally.
Including. The per-person environmental levy refund has already been deducted from the approved gross premium — the figure shown is the amount actually due.
2026: CHF 5.15 per month, or CHF 61.80 per year and person (FOEN).
The canton of Lucerne has 3 premium regions set by the FOPH, each with different healthcare costs. Between the most expensive region (Luzern) and the cheapest there is a difference of around 13.9%.
The easiest way is the postcode field above — the right region is shown to you automatically. The allocation of regions is set by the Federal Office of Public Health and only changes when municipalities merge.
No, Sursee belongs to a different premium region with its own premiums. Choose the matching region above to see the right figures.
And then? Compare supplementary insurance in the same step.
This page compares compulsory basic insurance. If you pick an offer, alletta lets you compare the right supplementary insurance in the same step and take out both together online.