KPT — Region 1 of canton Lucerne, 2026 premiums
KPT covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 344.50 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
KPT ranks 16 out of 25 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 498.12 a month.
What staying costs
Moving from KPT to Atupri, the cheapest insurer in this region, saves CHF 565.20 a year for an adult on the same profile.
The full KPT table
168 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 597.20 | CHF 498.70 | CHF 526.90 | CHF 503.40 |
| 500 | CHF 585.60 | CHF 487.10 | CHF 515.30 | CHF 491.80 |
| 1'000 | CHF 556.40 | CHF 457.90 | CHF 486.10 | CHF 462.60 |
| 1'500 | CHF 527.20 | CHF 428.70 | CHF 456.90 | CHF 433.40 |
| 2'500 | CHF 468.90 | CHF 370.40 | CHF 398.60 | CHF 375.10 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 477.80 | CHF 404.40 | CHF 425.40 | CHF 407.90 |
| 500 | CHF 466.20 | CHF 392.80 | CHF 413.80 | CHF 396.30 |
| 1'000 | CHF 437.00 | CHF 363.60 | CHF 384.60 | CHF 367.10 |
| 1'500 | CHF 407.80 | CHF 334.40 | CHF 355.40 | CHF 337.90 |
| 2'500 | CHF 349.50 | CHF 276.10 | CHF 297.10 | CHF 279.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 143.30 | CHF 113.30 | CHF 121.90 | CHF 114.80 |
| 200 | CHF 131.70 | CHF 104.10 | CHF 112.10 | CHF 105.40 |
| 400 | CHF 120.00 | CHF 94.90 | CHF 102.10 | CHF 96.10 |
| 600 | CHF 108.30 | CHF 85.60 | CHF 92.20 | CHF 86.70 |
With or without accident cover
With accident cover: CHF 597.20 a month. Without: CHF 555.40. Dropping it saves CHF 501.60 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 474.00 in 2025 to CHF 344.50 — a rise of 5.2 %.
The 5 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Lucerne, not to the municipality.
The other insurers in Region 1
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Atupri | CHF 451.60 | View |
| Sanitas | CHF 461.60 | View |
| Vivao Sympany | CHF 465.50 | View |
| Helsana | CHF 472.00 | View |
| Luzerner Hinterland | CHF 472.40 | View |
| CSS | CHF 473.80 | View |
| Avenir | CHF 475.40 | View |
| CONCORDIA | CHF 476.00 | View |
| Assura-Basis | CHF 478.80 | View |
| ÖKK | CHF 481.40 | View |
| sana24 | CHF 484.50 | View |
| EGK | CHF 491.60 | View |
| Galenos | CHF 495.30 | View |
| Agrisano | CHF 496.20 | View |
| SWICA | CHF 496.70 | View |
| Aquilana | CHF 500.60 | View |
| Sumiswalder | CHF 504.50 | View |
| SLKK | CHF 508.90 | View |
| Philos | CHF 510.70 | View |
| Visana | CHF 529.70 | View |
| vita surselva | CHF 543.40 | View |
| rhenusana | CHF 547.90 | View |
| Mutuel | CHF 560.60 | View |
| Einsiedler | CHF 575.25 | View |
Source: Federal Office of Public Health (FOPH), official premiums.