SWICA or KPT in Region 1 of canton Lucerne?

In Region 1, SWICA is CHF 24.00 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

SWICA comes down to CHF 496.70 a month, KPT to CHF 498.70. The gap is CHF 24.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to SWICA is worth CHF 541.20 more a year. Atupri

SWICA ranks 15 and KPT ranks 16, 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	SWICA	KPT	Gap
300	CHF 580.90	CHF 597.20	− 16.30
500	CHF 569.30	CHF 585.60	− 16.30
1'000	CHF 540.10	CHF 556.40	− 16.30
1'500	CHF 510.90	CHF 527.20	− 16.30
2'000	CHF 481.80	—	—
2'500	CHF 452.60	CHF 468.90	− 16.30

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

Against 2025, SWICA moves by + 1.8 % and KPT by + 5.2 % in this region.

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