CSS or KPT in Region 3 of canton Lucerne?
In Region 3, KPT is CHF 102.00 a year cheaper than CSS 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 430.10 a month, CSS to CHF 438.60. The gap is CHF 102.00 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 KPT is worth CHF 189.60 more a year. Agrisano
Where they stand in the region
CSS ranks 9 and KPT ranks 4, 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 507.00 | CHF 505.60 | + 1.40 |
| 500 | CHF 495.40 | CHF 494.00 | + 1.40 |
| 1'000 | CHF 466.20 | CHF 464.80 | + 1.40 |
| 1'500 | CHF 437.00 | CHF 435.60 | + 1.40 |
| 2'000 | CHF 407.90 | — | — |
| 2'500 | CHF 378.70 | CHF 377.30 | + 1.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | KPT |
|---|---|---|
| Family doctor | CHF 438.60 | CHF 441.50 |
| Other model | CHF 458.80 | CHF 430.10 |
| Free choice of doctor | CHF 507.00 | CHF 505.60 |
| HMO practice | — | CHF 449.00 |
How they moved in this region
Against 2025, CSS moves by + 5.7 % and KPT by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.