KPT or Mutuel in Region 3 of canton Lucerne?

In Region 3, KPT is CHF 1'094.40 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 430.10 a month, Mutuel to CHF 521.30. The gap is CHF 1'094.40 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 Mutuel ranks 25, 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 505.60	CHF 595.80	− 90.20
500	CHF 494.00	CHF 584.30	− 90.30
1'000	CHF 464.80	CHF 555.30	− 90.50
1'500	CHF 435.60	CHF 525.80	− 90.20
2'000	—	CHF 496.80	—
2'500	CHF 377.30	CHF 467.80	− 90.50

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

Against 2025, KPT moves by + 4.2 % and Mutuel by + 8.0 % in this region.

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