Sanitas or KPT in Region 1 of canton Lucerne?

In Region 1, Sanitas is CHF 445.20 a year cheaper than KPT for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

Sanitas comes down to CHF 461.60 a month, KPT to CHF 498.70. The gap is CHF 445.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to Sanitas is worth CHF 120.00 more a year. Atupri

Sanitas ranks 2 and KPT ranks 16, 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	Sanitas	KPT	Gap
300	CHF 530.60	CHF 597.20	− 66.60
500	CHF 519.00	CHF 585.60	− 66.60
1'000	CHF 489.80	CHF 556.40	− 66.60
1'500	CHF 460.60	CHF 527.20	− 66.60
2'000	CHF 431.50	—	—
2'500	CHF 402.30	CHF 468.90	− 66.60

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

Against 2025, Sanitas moves by + 3.7 % and KPT by + 5.2 % in this region.

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