KPT — Region 3 of canton Lucerne, 2026 premiums
KPT covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 280.70 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
KPT ranks 4 out of 25 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 451.29 a month.
What staying costs
Moving from KPT to Agrisano, the cheapest insurer in this region, saves CHF 189.60 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 505.60 | CHF 441.50 | CHF 449.00 | CHF 430.10 |
| 500 | CHF 494.00 | CHF 429.90 | CHF 437.40 | CHF 418.50 |
| 1'000 | CHF 464.80 | CHF 400.70 | CHF 408.20 | CHF 389.30 |
| 1'500 | CHF 435.60 | CHF 371.50 | CHF 379.00 | CHF 360.10 |
| 2'500 | CHF 377.30 | CHF 313.20 | CHF 320.70 | CHF 301.80 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 404.50 | CHF 357.50 | CHF 363.10 | CHF 349.30 |
| 500 | CHF 392.90 | CHF 345.90 | CHF 351.50 | CHF 337.70 |
| 1'000 | CHF 363.70 | CHF 316.70 | CHF 322.30 | CHF 308.50 |
| 1'500 | CHF 334.50 | CHF 287.50 | CHF 293.10 | CHF 279.30 |
| 2'500 | CHF 276.20 | CHF 229.20 | CHF 234.80 | CHF 221.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 121.30 | CHF 100.80 | CHF 103.20 | CHF 97.10 |
| 200 | CHF 109.70 | CHF 91.10 | CHF 93.40 | CHF 87.90 |
| 400 | CHF 98.00 | CHF 81.40 | CHF 83.40 | CHF 78.50 |
| 600 | CHF 86.30 | CHF 71.80 | CHF 73.50 | CHF 69.20 |
With or without accident cover
With accident cover: CHF 505.60 a month. Without: CHF 470.20. Dropping it saves CHF 424.80 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 412.70 in 2025 to CHF 280.70 — a rise of 4.2 %.
The 55 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Lucerne, not to the municipality.
Aesch (LU) · Alberswil · Altbüron · Altishofen · Ballwil · Beromünster · Buttisholz · Büron · Dagmersellen · Doppleschwand · Egolzwil · Entlebuch · Ermensee · Eschenbach (LU) · Escholzmatt-Marbach · Ettiswil · Fischbach · Flühli · Geuensee · Gisikon · Greppen · Grossdietwil · Grosswangen · Hasle (LU) · Hergiswil bei Willisau · Hildisrieden · Hitzkirch · Hochdorf · Hohenrain · Inwil · Knutwil · Luthern · Mauensee · Menznau · Nebikon · Pfaffnau · Rain · Reiden · Rickenbach (LU) · Roggliswil · Romoos · Römerswil · Schlierbach · Schongau · Schwarzenberg · Schötz · Schüpfheim · Triengen · Ufhusen · Vitznau · Wauwil · Weggis · Wikon · Willisau · Zell (LU)
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 414.30 | View |
| Luzerner Hinterland | CHF 425.65 | View |
| Sanitas | CHF 429.50 | View |
| Vivao Sympany | CHF 431.20 | View |
| sana24 | CHF 432.00 | View |
| CONCORDIA | CHF 435.20 | View |
| SWICA | CHF 437.40 | View |
| CSS | CHF 438.60 | View |
| Atupri | CHF 440.20 | View |
| Assura-Basis | CHF 440.20 | View |
| SLKK | CHF 442.70 | View |
| EGK | CHF 445.80 | View |
| ÖKK | CHF 446.20 | View |
| Galenos | CHF 446.30 | View |
| Avenir | CHF 446.90 | View |
| Sumiswalder | CHF 449.70 | View |
| Helsana | CHF 450.20 | View |
| Aquilana | CHF 451.00 | View |
| Philos | CHF 467.30 | View |
| rhenusana | CHF 476.10 | View |
| Visana | CHF 485.30 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 521.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums.