Helsana or KPT in Region 3 of canton Lucerne?
In Region 3, KPT is CHF 241.20 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 430.10 a month, Helsana to CHF 450.20. The gap is CHF 241.20 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
Helsana ranks 18 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 | Helsana | KPT | Gap |
|---|---|---|---|
| 300 | CHF 536.00 | CHF 505.60 | + 30.40 |
| 500 | CHF 524.40 | CHF 494.00 | + 30.40 |
| 1'000 | CHF 495.20 | CHF 464.80 | + 30.40 |
| 1'500 | CHF 466.00 | CHF 435.60 | + 30.40 |
| 2'000 | CHF 436.90 | — | — |
| 2'500 | CHF 407.70 | CHF 377.30 | + 30.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | KPT |
|---|---|---|
| Other model | CHF 450.20 | CHF 430.10 |
| Family doctor | CHF 460.90 | CHF 441.50 |
| Free choice of doctor | CHF 536.00 | CHF 505.60 |
| HMO practice | — | CHF 449.00 |
How they moved in this region
Against 2025, Helsana moves by + 4.7 % and KPT by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.