CONCORDIA or ÖKK in Region 3 of canton Lucerne?
In Region 3, CONCORDIA is CHF 132.00 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 435.20 a month, ÖKK to CHF 446.20. The gap is CHF 132.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to CONCORDIA is worth CHF 250.80 more a year. Agrisano
Where they stand in the region
CONCORDIA ranks 7 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 509.00 | CHF 507.00 | + 2.00 |
| 500 | CHF 497.40 | CHF 495.40 | + 2.00 |
| 1'000 | CHF 468.20 | CHF 466.20 | + 2.00 |
| 1'500 | CHF 439.00 | CHF 437.00 | + 2.00 |
| 2'000 | CHF 409.90 | CHF 407.90 | + 2.00 |
| 2'500 | CHF 380.70 | CHF 378.70 | + 2.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | ÖKK |
|---|---|---|
| HMO practice | CHF 435.20 | CHF 446.20 |
| Other model | CHF 442.90 | CHF 456.30 |
| Family doctor | CHF 458.10 | CHF 456.30 |
| Free choice of doctor | CHF 509.00 | CHF 507.00 |
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.