CONCORDIA or KPT in Region 2 of canton Lucerne?

In Region 2, KPT is CHF 6.00 a year cheaper than CONCORDIA 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, CONCORDIA to CHF 447.40. The gap is CHF 6.00 a year, 300-franc deductible, accident cover included.

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

CONCORDIA ranks 8 and KPT ranks 7, out of 25 active insurers in this region.

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	CONCORDIA	KPT	Gap
300	CHF 523.20	CHF 526.50	− 3.30
500	CHF 511.60	CHF 514.90	− 3.30
1'000	CHF 482.40	CHF 485.70	− 3.30
1'500	CHF 453.20	CHF 456.50	− 3.30
2'000	CHF 424.10	—	—
2'500	CHF 394.90	CHF 398.20	− 3.30

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, CONCORDIA moves by + 7.3 % and KPT by + 4.2 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.