Sanitas or ÖKK in Region 2 of canton Lucerne?

In Region 2, Sanitas is CHF 178.80 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 443.60 a month, ÖKK to CHF 458.50. The gap is CHF 178.80 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 ÖKK ranks 14, 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	ÖKK	Gap
300	CHF 509.90	CHF 521.00	− 11.10
500	CHF 498.30	CHF 509.40	− 11.10
1'000	CHF 469.10	CHF 480.20	− 11.10
1'500	CHF 439.90	CHF 451.00	− 11.10
2'000	CHF 410.80	CHF 421.90	− 11.10
2'500	CHF 381.60	CHF 392.70	− 11.10

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

Against 2025, Sanitas moves by + 4.8 % and ÖKK by + 2.3 % in this region.

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