Visana or KPT in Region 3 of canton Lucerne?
In Region 3, KPT is CHF 662.40 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 430.10 a month, Visana to CHF 485.30. The gap is CHF 662.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to KPT is worth CHF 189.60 more a year. Agrisano
Where they stand in the region
Visana ranks 22 and KPT ranks 4, 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 | Visana | KPT | Gap |
|---|---|---|---|
| 300 | CHF 561.00 | CHF 505.60 | + 55.40 |
| 500 | CHF 554.30 | CHF 494.00 | + 60.30 |
| 1'000 | CHF 520.20 | CHF 464.80 | + 55.40 |
| 1'500 | CHF 491.00 | CHF 435.60 | + 55.40 |
| 2'000 | CHF 461.80 | — | — |
| 2'500 | CHF 432.70 | CHF 377.30 | + 55.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | KPT |
|---|---|---|
| HMO practice | CHF 485.30 | CHF 449.00 |
| Family doctor | CHF 488.10 | CHF 441.50 |
| Other model | CHF 493.70 | CHF 430.10 |
| Free choice of doctor | CHF 561.00 | CHF 505.60 |
How they moved in this region
Against 2025, Visana moves by − 1.4 % and KPT by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.