Helsana or ÖKK in Region 3 of canton Lucerne?
In Region 3, ÖKK is CHF 48.00 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 446.20 a month, Helsana to CHF 450.20. The gap is CHF 48.00 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 ÖKK is worth CHF 382.80 more a year. Agrisano
Where they stand in the region
Helsana ranks 18 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 536.00 | CHF 507.00 | + 29.00 |
| 500 | CHF 524.40 | CHF 495.40 | + 29.00 |
| 1'000 | CHF 495.20 | CHF 466.20 | + 29.00 |
| 1'500 | CHF 466.00 | CHF 437.00 | + 29.00 |
| 2'000 | CHF 436.90 | CHF 407.90 | + 29.00 |
| 2'500 | CHF 407.70 | CHF 378.70 | + 29.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | ÖKK |
|---|---|---|
| Other model | CHF 450.20 | CHF 456.30 |
| Family doctor | CHF 460.90 | CHF 456.30 |
| Free choice of doctor | CHF 536.00 | CHF 507.00 |
| HMO practice | — | CHF 446.20 |
How they moved in this region
Against 2025, Helsana moves by + 4.7 % and ÖKK by + 2.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.