Key points at a glance
Living in Menznau (canton of Lucerne) and want to stay on top of your health insurance? Here are the essentials: compulsory basic insurance (LAMal) covers exactly the same benefits at every insurer, so in Menznau you don't save by taking less protection — you save through the right insurer, deductible and model.
Your premium depends on your FOPH/OFSP premium region (region 3 of the canton of Lucerne), never on your health: for basic insurance, every insurer must accept you. Menznau has roughly 2’879 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Menznau, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Wolhusen (4 km), Buttisholz (5 km), Willisau (5 km).
Menznau at a glance: your local context
Menznau, a municipality of roughly 2’879 residents in the canton of Lucerne, has its own profile when it comes to health insurance. Menznau lies in premium region 3 of the canton of Lucerne (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 2’879
- Canton: Lucerne
- Basic-insurance premium region (FOPH/OFSP): region 3
- Postal code (NPA): 6122
- Federal municipality number (BFS): 1136
Applying for premium subsidies around Menznau: compare neighbouring municipalities
Around Menznau, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Applying for premium subsidies in Wolhusen — 3.6 km away
- Applying for premium subsidies in Buttisholz — 5.4 km away
- Applying for premium subsidies in Willisau — 5.5 km away
- Applying for premium subsidies in Werthenstein — 5.6 km away
- Applying for premium subsidies in Grosswangen — 5.6 km away
- Applying for premium subsidies in Hergiswil bei Willisau — 6.2 km away
- Applying for premium subsidies in Ruswil — 6.6 km away
- Applying for premium subsidies in Doppleschwand — 7.3 km away
- Applying for premium subsidies in Ettiswil — 7.5 km away
- Applying for premium subsidies in Alberswil — 8.0 km away
Health insurance premiums 2026 in Menznau: the real numbers
In Menznau, an adult with a 300 CHF deductible pays between 414 and 596 francs a month for basic insurance depending on the insurer — even though the benefits are, by law, exactly the same everywhere. For identical cover, the gap between the cheapest and the most expensive insurer reaches up to 2’178 francs a year. The lowest adult premium there comes with the "alternative model" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 414 – 596 CHF | from 297 CHF |
| Young adults (19–25) | 303 – 436 CHF | from 183 CHF |
| Children (0–18) | 30 – 119 CHF | — |
Our comparison tool does this work for you: the 79 insurers available for Menznau are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Menznau →
Basic insurance in Menznau: choosing insurer, deductible and model
You steer your premium in Menznau with three levers. The insurer first — it costs nothing in benefits and brings the most. Then the deductible between 300 and 2’500 CHF: high deductible for healthy people with a financial cushion, low deductible for ongoing treatment or planned procedures. For comparison: with a 2’500 CHF deductible, the adult premium in Menznau starts as low as 297 francs a month. Finally the insurance model: family-doctor, HMO or telemedicine are noticeably cheaper than free choice of doctor.
Important for switching: your cancellation of basic insurance must REACH your current insurer by 30 November at the latest (the date of receipt counts, so send it by registered post) for the switch to take effect on 1 January. Also check whether you qualify for premium subsidies in the canton of Lucerne — many households leave this reduction unused.
Checklist for Menznau
- Compare every autumn: insurers adjust their rates each year.
- Match the deductible to your own health profile (work out 300 vs. 2’500 CHF).
- Consider an alternative model (family-doctor, HMO, telemedicine) — same basic benefits, lower premium.
- Check your entitlement to premium subsidies in the canton of Lucerne.
Free premium comparison for Menznau →
How we work for Menznau
Our method has three steps: (1) we start from your real profile (age, deductible, model, accident cover); (2) we rank the insurers in your FOPH premium region for 2026 from cheapest to most expensive; (3) we check your entitlement to premium subsidies in the canton of Lucerne. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Menznau this difference is measurable: 414–596 francs a month for adults, i.e. up to 2’178 francs a year across 79 insurers — for identical cover. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Menznau (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Menznau?
In Menznau (postal code 6122), the 2026 adult basic-insurance premium ranges from 414 to 596 francs a month depending on the insurer (deductible 300), from 303 francs for young adults and from 30 francs for children. For identical cover, the difference reaches up to 2’178 francs a year (FOPH premium region 3 of the canton of Lucerne). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Menznau have the same premiums?
Not necessarily. Menznau and nearby municipalities such as Wolhusen (4 km), Buttisholz (5 km) can belong to different FOPH premium regions: for identical cover, the premium can vary from one municipality to the next. Always compare for your exact municipality of residence.
Does this page replace personal advice in Menznau?
No, it is for orientation in Menznau. 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 "Applying for premium subsidies" in Menznau with no obligation?
Of course. The starting point is your situation in Menznau; 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
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.