Assura-Basis or KPT in Region 2 of canton Lucerne?
In Region 2, KPT is CHF 116.40 a year cheaper than Assura-Basis for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
KPT comes down to CHF 446.90 a month, Assura-Basis to CHF 456.60. The gap is CHF 116.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to KPT is worth CHF 254.40 more a year. Agrisano
Where they stand in the region
Assura-Basis ranks 12 and KPT ranks 7, out of 25 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | Assura-Basis | KPT | Gap |
|---|---|---|---|
| 300 | CHF 515.90 | CHF 526.50 | − 10.60 |
| 500 | CHF 504.30 | CHF 514.90 | − 10.60 |
| 1'000 | CHF 475.10 | CHF 485.70 | − 10.60 |
| 1'500 | CHF 445.90 | CHF 456.50 | − 10.60 |
| 2'000 | CHF 416.80 | — | — |
| 2'500 | CHF 387.60 | CHF 398.20 | − 10.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | KPT |
|---|---|---|
| Family doctor | CHF 456.60 | CHF 450.80 |
| Free choice of doctor | CHF 515.90 | CHF 526.50 |
| Other model | — | CHF 446.90 |
| HMO practice | — | CHF 466.80 |
How they moved in this region
Against 2025, Assura-Basis moves by + 2.5 % and KPT by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.