Helsana or ÖKK in Region 2 of canton Lucerne?
In Region 2, ÖKK is CHF 1.20 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
ÖKK comes down to CHF 458.50 a month, Helsana to CHF 458.60. The gap is CHF 1.20 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 ÖKK is worth CHF 393.60 more a year. Agrisano
Where they stand in the region
Helsana ranks 15 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 | Helsana | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 546.00 | CHF 521.00 | + 25.00 |
| 500 | CHF 534.40 | CHF 509.40 | + 25.00 |
| 1'000 | CHF 505.20 | CHF 480.20 | + 25.00 |
| 1'500 | CHF 476.00 | CHF 451.00 | + 25.00 |
| 2'000 | CHF 446.90 | CHF 421.90 | + 25.00 |
| 2'500 | CHF 417.70 | CHF 392.70 | + 25.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | ÖKK |
|---|---|---|
| Other model | CHF 458.60 | CHF 468.90 |
| Family doctor | CHF 458.60 | CHF 468.90 |
| Free choice of doctor | CHF 546.00 | CHF 521.00 |
| HMO practice | — | CHF 458.50 |
How they moved in this region
Against 2025, Helsana moves by + 5.4 % and ÖKK by + 2.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.