SWICA or ÖKK in Region 1 of canton Lucerne?
In Region 1, ÖKK is CHF 183.60 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
ÖKK comes down to CHF 481.40 a month, SWICA to CHF 496.70. The gap is CHF 183.60 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 ÖKK is worth CHF 357.60 more a year. Atupri
Where they stand in the region
SWICA ranks 15 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.
| Deductible | SWICA | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 580.90 | CHF 547.00 | + 33.90 |
| 500 | CHF 569.30 | CHF 535.40 | + 33.90 |
| 1'000 | CHF 540.10 | CHF 506.20 | + 33.90 |
| 1'500 | CHF 510.90 | CHF 477.00 | + 33.90 |
| 2'000 | CHF 481.80 | CHF 447.90 | + 33.90 |
| 2'500 | CHF 452.60 | CHF 418.70 | + 33.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | ÖKK |
|---|---|---|
| HMO practice | CHF 496.70 | CHF 481.40 |
| Family doctor | CHF 505.40 | CHF 492.30 |
| Other model | CHF 528.70 | CHF 492.30 |
| Free choice of doctor | CHF 580.90 | CHF 547.00 |
How they moved in this region
Against 2025, SWICA moves by + 1.8 % and ÖKK by + 2.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.