EGK or ÖKK in Region 1 of canton Lucerne?
In Region 1, ÖKK is CHF 122.40 a year cheaper than EGK for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
ÖKK comes down to CHF 481.40 a month, EGK to CHF 491.60. The gap is CHF 122.40 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 ÖKK is worth CHF 357.60 more a year. Atupri
Where they stand in the region
EGK ranks 12 and ÖKK ranks 10, 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 | EGK | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 560.80 | CHF 547.00 | + 13.80 |
| 500 | CHF 549.20 | CHF 535.40 | + 13.80 |
| 1'000 | CHF 520.00 | CHF 506.20 | + 13.80 |
| 1'500 | CHF 490.80 | CHF 477.00 | + 13.80 |
| 2'000 | CHF 461.70 | CHF 447.90 | + 13.80 |
| 2'500 | CHF 432.50 | CHF 418.70 | + 13.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | EGK | ÖKK |
|---|---|---|
| Other model | CHF 491.60 | CHF 492.30 |
| Family doctor | CHF 502.00 | CHF 492.30 |
| Free choice of doctor | CHF 560.80 | CHF 547.00 |
| HMO practice | — | CHF 481.40 |
How they moved in this region
Against 2025, EGK moves by + 5.9 % and ÖKK by + 2.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.