Visana or KPT in Region 2 of canton Lucerne?

In Region 2, KPT is CHF 460.80 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 446.90 a month, Visana to CHF 485.30. The gap is CHF 460.80 a year, 300-franc deductible, accident cover included.

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

Visana ranks 21 and KPT ranks 7, 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 561.00	CHF 526.50	+ 34.50
500	CHF 554.30	CHF 514.90	+ 39.40
1'000	CHF 520.20	CHF 485.70	+ 34.50
1'500	CHF 491.00	CHF 456.50	+ 34.50
2'000	CHF 461.80	—	—
2'500	CHF 432.70	CHF 398.20	+ 34.50

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

Against 2025, Visana moves by − 1.4 % and KPT by + 4.2 % in this region.

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