Helsana or KPT in Region 2 of canton Lucerne?
In Region 2, KPT is CHF 140.40 a year cheaper than Helsana 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 446.90 a month, Helsana to CHF 458.60. The gap is CHF 140.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to KPT is worth CHF 254.40 more a year. Agrisano
Where they stand in the region
Helsana ranks 15 and KPT ranks 7, 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 | Helsana | KPT | Gap |
|---|---|---|---|
| 300 | CHF 546.00 | CHF 526.50 | + 19.50 |
| 500 | CHF 534.40 | CHF 514.90 | + 19.50 |
| 1'000 | CHF 505.20 | CHF 485.70 | + 19.50 |
| 1'500 | CHF 476.00 | CHF 456.50 | + 19.50 |
| 2'000 | CHF 446.90 | — | — |
| 2'500 | CHF 417.70 | CHF 398.20 | + 19.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | KPT |
|---|---|---|
| Other model | CHF 458.60 | CHF 446.90 |
| Family doctor | CHF 458.60 | CHF 450.80 |
| Free choice of doctor | CHF 546.00 | CHF 526.50 |
| HMO practice | — | CHF 466.80 |
How they moved in this region
Against 2025, Helsana moves by + 5.4 % and KPT by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.