Key points at a glance
Living in Sursee (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 Sursee 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 2 of the canton of Lucerne), never on your health: for basic insurance, every insurer must accept you. Sursee has roughly 10’810 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Sursee, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Oberkirch (2 km), Schenkon (2 km), Geuensee (3 km).
Sursee at a glance: your local context
Sursee, a municipality of roughly 10’810 residents in the canton of Lucerne, has its own profile when it comes to health insurance. For health insurance premiums, Sursee 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 10’810
- Canton: Lucerne
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 6210
- Federal municipality number (BFS): 1103
Health insurance and supplementary cover around Sursee: compare neighbouring municipalities
Living or working near Sursee? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Health insurance and supplementary cover in Oberkirch — 2.1 km away
- Health insurance and supplementary cover in Schenkon — 2.2 km away
- Health insurance and supplementary cover in Geuensee — 2.8 km away
- Health insurance and supplementary cover in Mauensee — 3.3 km away
- Health insurance and supplementary cover in Knutwil — 3.9 km away
- Health insurance and supplementary cover in Büron — 4.5 km away
- Health insurance and supplementary cover in Nottwil — 4.9 km away
- Health insurance and supplementary cover in Eich — 5.2 km away
- Health insurance and supplementary cover in Schlierbach — 5.6 km away
- Health insurance and supplementary cover in Rickenbach — 6.1 km away
Health insurance premiums 2026 in Sursee: the real numbers
In Sursee, an adult with a 300 CHF deductible pays between 426 and 602 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 2’118 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) | 426 – 602 CHF | from 312 CHF |
| Young adults (19–25) | 311 – 442 CHF | from 194 CHF |
| Children (0–18) | 31 – 124 CHF | — |
That is exactly what our comparison does: it ranks the 79 insurers active in Sursee from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Sursee: choosing insurer, deductible and model
You steer your premium in Sursee 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 Sursee starts as low as 312 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 Sursee
- 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 Sursee →
How we work for Sursee
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 Sursee this difference is measurable: 426–602 francs a month for adults, i.e. up to 2’118 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 Sursee (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Sursee?
In Sursee (postal code 6210), the 2026 adult basic-insurance premium ranges from 426 to 602 francs a month depending on the insurer (deductible 300), from 311 francs for young adults and from 31 francs for children. For identical cover, the difference reaches up to 2’118 francs a year (FOPH premium region 2 of the canton of Lucerne). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Sursee have the same premiums?
Not necessarily. Sursee and nearby municipalities such as Oberkirch (2 km), Schenkon (2 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 Sursee?
No. It explains the insurance and tax concepts for residents of Sursee (canton of Lucerne). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Health insurance and supplementary cover" in Sursee with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Sursee follow. The comparison is free, and no offer is binding.
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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.