KPT or EGK in Region 2 of canton Lucerne?

In Region 2, KPT is CHF 51.60 a year cheaper than EGK 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 446.90 a month, EGK to CHF 451.20. The gap is CHF 51.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to KPT is worth CHF 254.40 more a year. Agrisano

KPT ranks 7 and EGK ranks 9, out of 25 active insurers in this region.

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 526.50	CHF 521.60	+ 4.90
500	CHF 514.90	CHF 509.90	+ 5.00
1'000	CHF 485.70	CHF 480.80	+ 4.90
1'500	CHF 456.50	CHF 451.60	+ 4.90
2'000	—	CHF 422.40	—
2'500	CHF 398.20	CHF 393.30	+ 4.90

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, KPT moves by + 4.2 % and EGK by + 7.0 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.