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Sanitas or ÖKK in Region 1 of canton Lucerne?

In Region 1, Sanitas is CHF 237.60 a year cheaper than ÖKK 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, ÖKK to CHF 481.40. The gap is CHF 237.60 a year, 300-franc deductible, accident cover included.

What the question hides

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

Where they stand in the region

Sanitas ranks 2 and ÖKK ranks 10, out of 25 active insurers in this region.

Deductible by deductible

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.

DeductibleSanitasÖKKGap
300CHF 530.60CHF 547.00− 16.40
500CHF 519.00CHF 535.40− 16.40
1'000CHF 489.80CHF 506.20− 16.40
1'500CHF 460.60CHF 477.00− 16.40
2'000CHF 431.50CHF 447.90− 16.40
2'500CHF 402.30CHF 418.70− 16.40

Model by model

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

ModelSanitasÖKK
Family doctorCHF 461.60CHF 492.30
Other modelCHF 461.70CHF 492.30
HMO practiceCHF 482.90CHF 481.40
Free choice of doctorCHF 530.60CHF 547.00

How they moved in this region

Against 2025, Sanitas moves by + 3.7 % and ÖKK by + 2.3 % in this region.

Sanitas, ÖKK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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