Sanitas or KPT in Region 2 of canton Lucerne?

In Region 2, Sanitas is CHF 39.60 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 443.60 a month, KPT to CHF 446.90. The gap is CHF 39.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to Sanitas is worth CHF 214.80 more a year. Agrisano

Sanitas ranks 4 and KPT ranks 7, 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 509.90	CHF 526.50	− 16.60
500	CHF 498.30	CHF 514.90	− 16.60
1'000	CHF 469.10	CHF 485.70	− 16.60
1'500	CHF 439.90	CHF 456.50	− 16.60
2'000	CHF 410.80	—	—
2'500	CHF 381.60	CHF 398.20	− 16.60

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

Against 2025, Sanitas moves by + 4.8 % and KPT by + 4.2 % in this region.

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