CSS or KPT in Region 1 of canton Lucerne?
In Region 1, CSS is CHF 298.80 a year cheaper than KPT for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CSS comes down to CHF 473.80 a month, KPT to CHF 498.70. The gap is CHF 298.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to CSS is worth CHF 266.40 more a year. Atupri
Where they stand in the region
CSS ranks 6 and KPT ranks 16, 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 | CSS | KPT | Gap |
|---|---|---|---|
| 300 | CHF 564.00 | CHF 597.20 | − 33.20 |
| 500 | CHF 552.40 | CHF 585.60 | − 33.20 |
| 1'000 | CHF 523.20 | CHF 556.40 | − 33.20 |
| 1'500 | CHF 494.00 | CHF 527.20 | − 33.20 |
| 2'000 | CHF 464.90 | — | — |
| 2'500 | CHF 435.70 | CHF 468.90 | − 33.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | KPT |
|---|---|---|
| Family doctor | CHF 473.80 | CHF 498.70 |
| Other model | CHF 518.90 | CHF 503.40 |
| Free choice of doctor | CHF 564.00 | CHF 597.20 |
| HMO practice | — | CHF 526.90 |
How they moved in this region
Against 2025, CSS moves by + 2.4 % and KPT by + 5.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.