SWICA or KPT in Region 2 of canton Lucerne?
In Region 2, KPT is CHF 356.40 a year cheaper than SWICA for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
KPT comes down to CHF 446.90 a month, SWICA to CHF 476.60. The gap is CHF 356.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to KPT is worth CHF 254.40 more a year. Agrisano
Where they stand in the region
SWICA ranks 19 and KPT ranks 7, 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.
| Deductible | SWICA | KPT | Gap |
|---|---|---|---|
| 300 | CHF 550.90 | CHF 526.50 | + 24.40 |
| 500 | CHF 539.30 | CHF 514.90 | + 24.40 |
| 1'000 | CHF 510.10 | CHF 485.70 | + 24.40 |
| 1'500 | CHF 480.90 | CHF 456.50 | + 24.40 |
| 2'000 | CHF 451.80 | — | — |
| 2'500 | CHF 422.60 | CHF 398.20 | + 24.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | KPT |
|---|---|---|
| HMO practice | CHF 476.60 | CHF 466.80 |
| Family doctor | CHF 482.10 | CHF 450.80 |
| Other model | CHF 512.40 | CHF 446.90 |
| Free choice of doctor | CHF 550.90 | CHF 526.50 |
How they moved in this region
Against 2025, SWICA moves by + 1.9 % and KPT by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.