KPT or ÖKK in Region 2 of canton Lucerne?

In Region 2, KPT is CHF 139.20 a year cheaper than ÖKK 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, ÖKK to CHF 458.50. The gap is CHF 139.20 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 ÖKK ranks 14, 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	ÖKK	Gap
300	CHF 526.50	CHF 521.00	+ 5.50
500	CHF 514.90	CHF 509.40	+ 5.50
1'000	CHF 485.70	CHF 480.20	+ 5.50
1'500	CHF 456.50	CHF 451.00	+ 5.50
2'000	—	CHF 421.90	—
2'500	CHF 398.20	CHF 392.70	+ 5.50

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

Against 2025, KPT moves by + 4.2 % and ÖKK by + 2.3 % in this region.

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