KPT or Atupri in Region 3 of canton Lucerne?
In Region 3, KPT is CHF 121.20 a year cheaper than Atupri 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, Atupri to CHF 440.20. The gap is CHF 121.20 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
KPT ranks 4 and Atupri ranks 10, 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 | KPT | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 505.60 | CHF 494.60 | + 11.00 |
| 500 | CHF 494.00 | CHF 483.00 | + 11.00 |
| 1'000 | CHF 464.80 | CHF 453.80 | + 11.00 |
| 1'500 | CHF 435.60 | CHF 424.60 | + 11.00 |
| 2'000 | — | CHF 395.50 | — |
| 2'500 | CHF 377.30 | CHF 366.30 | + 11.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | Atupri |
|---|---|---|
| Other model | CHF 430.10 | CHF 440.20 |
| Family doctor | CHF 441.50 | CHF 450.10 |
| HMO practice | CHF 449.00 | CHF 440.20 |
| Free choice of doctor | CHF 505.60 | CHF 494.60 |
How they moved in this region
Against 2025, KPT moves by + 4.2 % and Atupri by + 5.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.