KPT or ÖKK in Region 3 of canton Lucerne?

In Region 3, KPT is CHF 193.20 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 430.10 a month, ÖKK to CHF 446.20. The gap is CHF 193.20 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 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 505.60	CHF 507.00	− 1.40
500	CHF 494.00	CHF 495.40	− 1.40
1'000	CHF 464.80	CHF 466.20	− 1.40
1'500	CHF 435.60	CHF 437.00	− 1.40
2'000	—	CHF 407.90	—
2'500	CHF 377.30	CHF 378.70	− 1.40

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.