SWICA or ÖKK in Region 2 of canton Lucerne?
In Region 2, ÖKK is CHF 217.20 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 458.50 a month, SWICA to CHF 476.60. The gap is CHF 217.20 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 ÖKK is worth CHF 393.60 more a year. Agrisano
Where they stand in the region
SWICA ranks 19 and ÖKK ranks 14, 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 550.90 | CHF 521.00 | + 29.90 |
| 500 | CHF 539.30 | CHF 509.40 | + 29.90 |
| 1'000 | CHF 510.10 | CHF 480.20 | + 29.90 |
| 1'500 | CHF 480.90 | CHF 451.00 | + 29.90 |
| 2'000 | CHF 451.80 | CHF 421.90 | + 29.90 |
| 2'500 | CHF 422.60 | CHF 392.70 | + 29.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | ÖKK |
|---|---|---|
| HMO practice | CHF 476.60 | CHF 458.50 |
| Family doctor | CHF 482.10 | CHF 468.90 |
| Other model | CHF 512.40 | CHF 468.90 |
| Free choice of doctor | CHF 550.90 | CHF 521.00 |
How they moved in this region
Against 2025, SWICA moves by + 1.9 % and ÖKK by + 2.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.