Sanitas or KPT in Region 3 of canton Lucerne?

In Region 3, Sanitas is CHF 7.20 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 429.50 a month, KPT to CHF 430.10. The gap is CHF 7.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to Sanitas is worth CHF 182.40 more a year. Agrisano

Sanitas ranks 3 and KPT ranks 4, 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 493.70	CHF 505.60	− 11.90
500	CHF 482.10	CHF 494.00	− 11.90
1'000	CHF 452.90	CHF 464.80	− 11.90
1'500	CHF 423.70	CHF 435.60	− 11.90
2'000	CHF 394.60	—	—
2'500	CHF 365.40	CHF 377.30	− 11.90

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.