CONCORDIA or ÖKK in Region 2 of canton Lucerne?
In Region 2, CONCORDIA is CHF 133.20 a year cheaper than ÖKK for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CONCORDIA comes down to CHF 447.40 a month, ÖKK to CHF 458.50. The gap is CHF 133.20 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 CONCORDIA is worth CHF 260.40 more a year. Agrisano
Where they stand in the region
CONCORDIA ranks 8 and ÖKK ranks 14, 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 | CONCORDIA | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 523.20 | CHF 521.00 | + 2.20 |
| 500 | CHF 511.60 | CHF 509.40 | + 2.20 |
| 1'000 | CHF 482.40 | CHF 480.20 | + 2.20 |
| 1'500 | CHF 453.20 | CHF 451.00 | + 2.20 |
| 2'000 | CHF 424.10 | CHF 421.90 | + 2.20 |
| 2'500 | CHF 394.90 | CHF 392.70 | + 2.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | ÖKK |
|---|---|---|
| HMO practice | CHF 447.40 | CHF 458.50 |
| Other model | CHF 455.20 | CHF 468.90 |
| Family doctor | CHF 470.90 | CHF 468.90 |
| Free choice of doctor | CHF 523.20 | CHF 521.00 |
How they moved in this region
Against 2025, CONCORDIA moves by + 7.3 % and ÖKK by + 2.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.