KPT or ÖKK in Region 1 of canton Lucerne?
In Region 1, ÖKK is CHF 207.60 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
ÖKK comes down to CHF 481.40 a month, KPT to CHF 498.70. The gap is CHF 207.60 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 ÖKK is worth CHF 357.60 more a year. Atupri
Where they stand in the region
KPT ranks 16 and ÖKK ranks 10, 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 | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 597.20 | CHF 547.00 | + 50.20 |
| 500 | CHF 585.60 | CHF 535.40 | + 50.20 |
| 1'000 | CHF 556.40 | CHF 506.20 | + 50.20 |
| 1'500 | CHF 527.20 | CHF 477.00 | + 50.20 |
| 2'000 | — | CHF 447.90 | — |
| 2'500 | CHF 468.90 | CHF 418.70 | + 50.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | ÖKK |
|---|---|---|
| Family doctor | CHF 498.70 | CHF 492.30 |
| Other model | CHF 503.40 | CHF 492.30 |
| HMO practice | CHF 526.90 | CHF 481.40 |
| Free choice of doctor | CHF 597.20 | CHF 547.00 |
How they moved in this region
Against 2025, KPT moves by + 5.2 % and ÖKK by + 2.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.