KPT — Region 2 of canton Lucerne, 2026 premiums
KPT covers the 19 municipalities of Region 2 in canton Lucerne. Its lowest adult premium here is CHF 296.30 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
KPT ranks 7 out of 25 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 464.78 a month.
What staying costs
Moving from KPT to Agrisano, the cheapest insurer in this region, saves CHF 254.40 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 526.50 | CHF 450.80 | CHF 466.80 | CHF 446.90 |
| 500 | CHF 514.90 | CHF 439.20 | CHF 455.20 | CHF 435.30 |
| 1'000 | CHF 485.70 | CHF 410.00 | CHF 426.00 | CHF 406.10 |
| 1'500 | CHF 456.50 | CHF 380.80 | CHF 396.80 | CHF 376.90 |
| 2'500 | CHF 398.20 | CHF 322.50 | CHF 338.50 | CHF 318.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 421.20 | CHF 365.50 | CHF 377.30 | CHF 362.60 |
| 500 | CHF 409.60 | CHF 353.90 | CHF 365.70 | CHF 351.00 |
| 1'000 | CHF 380.40 | CHF 324.70 | CHF 336.50 | CHF 321.80 |
| 1'500 | CHF 351.20 | CHF 295.50 | CHF 307.30 | CHF 292.60 |
| 2'500 | CHF 292.90 | CHF 237.20 | CHF 249.00 | CHF 234.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 126.40 | CHF 102.50 | CHF 107.60 | CHF 101.20 |
| 200 | CHF 114.80 | CHF 93.10 | CHF 97.70 | CHF 92.00 |
| 400 | CHF 103.10 | CHF 83.60 | CHF 87.80 | CHF 82.60 |
| 600 | CHF 91.40 | CHF 74.10 | CHF 77.80 | CHF 73.30 |
With or without accident cover
With accident cover: CHF 526.50 a month. Without: CHF 489.60. Dropping it saves CHF 442.80 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 428.70 in 2025 to CHF 296.30 — a rise of 4.2 %.
The 19 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Lucerne, not to the municipality.
Adligenswil · Buchrain · Dierikon · Eich · Malters · Meggen · Meierskappel · Neuenkirch · Nottwil · Oberkirch · Root · Rothenburg · Ruswil · Schenkon · Sempach · Sursee · Udligenswil · Werthenstein · Wolhusen
The other insurers in Region 2
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 425.70 | View |
| Luzerner Hinterland | CHF 440.45 | View |
| CSS | CHF 441.70 | View |
| Sanitas | CHF 443.60 | View |
| sana24 | CHF 445.10 | View |
| Vivao Sympany | CHF 445.50 | View |
| CONCORDIA | CHF 447.40 | View |
| EGK | CHF 451.20 | View |
| Atupri | CHF 455.70 | View |
| Avenir | CHF 456.40 | View |
| Assura-Basis | CHF 456.60 | View |
| SLKK | CHF 458.00 | View |
| ÖKK | CHF 458.50 | View |
| Helsana | CHF 458.60 | View |
| Galenos | CHF 464.50 | View |
| Sumiswalder | CHF 464.60 | View |
| Aquilana | CHF 468.20 | View |
| SWICA | CHF 476.60 | View |
| Philos | CHF 485.20 | View |
| Visana | CHF 485.30 | View |
| rhenusana | CHF 498.60 | View |
| vita surselva | CHF 505.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 526.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.