KPT or EGK in Region 1 of canton Lucerne?
In Region 1, EGK is CHF 85.20 a year cheaper than KPT for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
EGK comes down to CHF 491.60 a month, KPT to CHF 498.70. The gap is CHF 85.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to EGK is worth CHF 480.00 more a year. Atupri
Where they stand in the region
KPT ranks 16 and EGK ranks 12, 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 | EGK | Gap |
|---|---|---|---|
| 300 | CHF 597.20 | CHF 560.80 | + 36.40 |
| 500 | CHF 585.60 | CHF 549.20 | + 36.40 |
| 1'000 | CHF 556.40 | CHF 520.00 | + 36.40 |
| 1'500 | CHF 527.20 | CHF 490.80 | + 36.40 |
| 2'000 | — | CHF 461.70 | — |
| 2'500 | CHF 468.90 | CHF 432.50 | + 36.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | EGK |
|---|---|---|
| Family doctor | CHF 498.70 | CHF 502.00 |
| Other model | CHF 503.40 | CHF 491.60 |
| HMO practice | CHF 526.90 | — |
| Free choice of doctor | CHF 597.20 | CHF 560.80 |
How they moved in this region
Against 2025, KPT moves by + 5.2 % and EGK by + 5.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.