Key points at a glance
This is about supplementary insurance (LCA) for Lucerne: the optional cover that goes beyond basic insurance — for example the private or semi-private hospital ward, dental costs, complementary medicine, vision aids, maternity and preventive care.
In Lucerne (postal code 6000), a municipality of roughly 86’234 residents in the canton of Lucerne, one rule stands out: unlike basic insurance, supplementary cover is a FREE market. Benefits, prices and conditions vary widely from one insurer to the next. Compare according to your actual needs — and sign up while young and healthy, because the insurer is allowed to ask health questions. Commuting between Lucerne and a nearby municipality (Kriens (3 km), Emmen (3 km), Horw (4 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.
Lucerne at a glance: your local context
Lucerne, a municipality of roughly 86’234 residents in the canton of Lucerne, brings its own local context to "Maternity and birth (supplementary insurance)". For health insurance premiums, Lucerne belongs to FOPH premium region 2 of the canton of Lucerne. Two neighbouring municipalities can sit in different premium regions — and therefore pay noticeably different premiums for identical benefits. Always compare for your exact municipality of residence, not a cantonal average.
- Population: roughly 86’234
- Canton: Lucerne
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 6000
- Federal municipality number (BFS): 1061
Maternity and birth (supplementary insurance) around Lucerne: compare neighbouring municipalities
Living or working near Lucerne? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Maternity and birth (supplementary insurance) in Kriens — 2.8 km away
- Maternity and birth (supplementary insurance) in Emmen — 2.8 km away
- Maternity and birth (supplementary insurance) in Horw — 4.0 km away
- Maternity and birth (supplementary insurance) in Ebikon — 4.5 km away
- Maternity and birth (supplementary insurance) in Adligenswil — 4.9 km away
- Maternity and birth (supplementary insurance) in Meggen — 5.2 km away
- Maternity and birth (supplementary insurance) in Rothenburg — 5.3 km away
- Maternity and birth (supplementary insurance) in Buchrain — 5.7 km away
- Maternity and birth (supplementary insurance) in Dierikon — 7.0 km away
- Maternity and birth (supplementary insurance) in Hergiswil — 7.6 km away
Supplementary insurance (LCA) in Lucerne: what matters
Unlike basic insurance, supplementary cover is a free contractual product: each insurer defines its own benefits, premiums and conditions. Two policies at the same price can cover very differently in Lucerne — for hospital stays (private/semi-private, free choice of doctor), dental treatment, complementary medicine, glasses or maternity. So compare benefit by benefit against your actual needs, not just on price.
Two ground rules: first, supplementary insurance is not compulsory — it can be signed or cancelled separately from basic insurance. Second, the provider may check your health and set exclusions or decline; those who sign up young and healthy and answer the health questions precisely secure the best terms.
Check before you sign
- Your real priorities: hospital, dental, complementary medicine, glasses, maternity?
- Annual limits, waiting periods and exclusions of each benefit.
- Avoid double cover (e.g. with employer or credit-card benefits).
- How the premium develops with age, and the cancellation terms.
Compare supplementary insurance for Lucerne →
How we work for Lucerne
For "Maternity and birth (supplementary insurance)" in Lucerne we work in three stages: an inventory of your contracts and dates (canton of Lucerne); an analysis of cover gaps, over-insurance and overlaps; then costed scenarios as a basis for your decision. It is not about more insurance, but about the right balance of premium, deductible and benefit. All free and without obligation — as an educational complement, not a substitute for individual professional advice.
FAQ — insurance in Lucerne (practical guidance, not legal advice)
Is "Maternity and birth (supplementary insurance)" also covered for the area around Lucerne?
Yes. The neighbouring municipalities of Lucerne, such as Kriens (3 km), Emmen (3 km), each have their own page on "Maternity and birth (supplementary insurance)" — handy when you compare several places to live in the canton of Lucerne or a move is coming up.
Does this page replace personal advice in Lucerne?
No, it is for orientation in Lucerne. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Lucerne.
Can I compare "Maternity and birth (supplementary insurance)" in Lucerne with no obligation?
Of course. The starting point is your situation in Lucerne; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
How is the data from the form handled?
Your details are transmitted through our secure infrastructure — solely with your explicit consent. The purposes, recipients and retention periods are described in the privacy policy.
Important notes
This local guide for Lucerne is for orientation. It replaces neither a personal quote nor the assessment of a regulated professional. The amounts, premiums and deductions mentioned change with your situation, your insurer and the given year.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.