Visana or ÖKK in Region 3 of canton Lucerne?
In Region 3, ÖKK is CHF 469.20 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
ÖKK comes down to CHF 446.20 a month, Visana to CHF 485.30. The gap is CHF 469.20 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 ÖKK is worth CHF 382.80 more a year. Agrisano
Where they stand in the region
Visana ranks 22 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 | Visana | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 561.00 | CHF 507.00 | + 54.00 |
| 500 | CHF 554.30 | CHF 495.40 | + 58.90 |
| 1'000 | CHF 520.20 | CHF 466.20 | + 54.00 |
| 1'500 | CHF 491.00 | CHF 437.00 | + 54.00 |
| 2'000 | CHF 461.80 | CHF 407.90 | + 53.90 |
| 2'500 | CHF 432.70 | CHF 378.70 | + 54.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | ÖKK |
|---|---|---|
| HMO practice | CHF 485.30 | CHF 446.20 |
| Family doctor | CHF 488.10 | CHF 456.30 |
| Other model | CHF 493.70 | CHF 456.30 |
| Free choice of doctor | CHF 561.00 | CHF 507.00 |
How they moved in this region
Against 2025, Visana moves by − 1.4 % and ÖKK by + 2.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.