EGK or ÖKK in Region 3 of canton Lucerne?
In Region 3, EGK is CHF 4.80 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
EGK comes down to CHF 445.80 a month, ÖKK to CHF 446.20. The gap is CHF 4.80 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 EGK is worth CHF 378.00 more a year. Agrisano
Where they stand in the region
EGK ranks 13 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 | EGK | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 500.80 | CHF 507.00 | − 6.20 |
| 500 | CHF 489.10 | CHF 495.40 | − 6.30 |
| 1'000 | CHF 460.00 | CHF 466.20 | − 6.20 |
| 1'500 | CHF 430.80 | CHF 437.00 | − 6.20 |
| 2'000 | CHF 401.60 | CHF 407.90 | − 6.30 |
| 2'500 | CHF 372.50 | CHF 378.70 | − 6.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | EGK | ÖKK |
|---|---|---|
| Other model | CHF 445.80 | CHF 456.30 |
| Family doctor | CHF 455.80 | CHF 456.30 |
| Free choice of doctor | CHF 500.80 | CHF 507.00 |
| HMO practice | — | CHF 446.20 |
How they moved in this region
Against 2025, EGK moves by + 7.1 % and ÖKK by + 2.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.