Visana or KPT in Region 1 of canton Lucerne?

In Region 1, KPT is CHF 372.00 a year cheaper than Visana 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 498.70 a month, Visana to CHF 529.70. The gap is CHF 372.00 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 KPT is worth CHF 565.20 more a year. Atupri

Visana ranks 21 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	Visana	KPT	Gap
300	CHF 618.00	CHF 597.20	+ 20.80
500	CHF 611.30	CHF 585.60	+ 25.70
1'000	CHF 577.20	CHF 556.40	+ 20.80
1'500	CHF 548.00	CHF 527.20	+ 20.80
2'000	CHF 518.80	—	—
2'500	CHF 489.70	CHF 468.90	+ 20.80

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

Against 2025, Visana moves by − 1.4 % and KPT by + 5.2 % in this region.

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