KPT or EGK in Region 3 of canton Lucerne?

In Region 3, KPT is CHF 188.40 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 430.10 a month, EGK to CHF 445.80. The gap is CHF 188.40 a year, 300-franc deductible, accident cover included.

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

KPT ranks 4 and EGK ranks 13, 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 505.60	CHF 500.80	+ 4.80
500	CHF 494.00	CHF 489.10	+ 4.90
1'000	CHF 464.80	CHF 460.00	+ 4.80
1'500	CHF 435.60	CHF 430.80	+ 4.80
2'000	—	CHF 401.60	—
2'500	CHF 377.30	CHF 372.50	+ 4.80

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

Against 2025, KPT moves by + 4.2 % and EGK by + 7.1 % in this region.

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