Sanitas or ÖKK in Region 3 of canton Lucerne?

In Region 3, Sanitas is CHF 200.40 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 429.50 a month, ÖKK to CHF 446.20. The gap is CHF 200.40 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 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 493.70	CHF 507.00	− 13.30
500	CHF 482.10	CHF 495.40	− 13.30
1'000	CHF 452.90	CHF 466.20	− 13.30
1'500	CHF 423.70	CHF 437.00	− 13.30
2'000	CHF 394.60	CHF 407.90	− 13.30
2'500	CHF 365.40	CHF 378.70	− 13.30

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.