KPT or Mutuel in Region 1 of canton Lucerne?

In Region 1, KPT is CHF 742.80 a year cheaper than Mutuel 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 498.70 a month, Mutuel to CHF 560.60. The gap is CHF 742.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to KPT is worth CHF 565.20 more a year. Atupri

KPT ranks 16 and Mutuel ranks 24, 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	Mutuel	Gap
300	CHF 597.20	CHF 640.60	− 43.40
500	CHF 585.60	CHF 629.10	− 43.50
1'000	CHF 556.40	CHF 600.10	− 43.70
1'500	CHF 527.20	CHF 570.60	− 43.40
2'000	—	CHF 541.60	—
2'500	CHF 468.90	CHF 512.60	− 43.70

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

Against 2025, KPT moves by + 5.2 % and Mutuel by + 8.0 % in this region.

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