Assura-Basis or Atupri in Region 3 of canton Lucerne?
In Region 3, Assura-Basis and Atupri charge exactly the same lowest premium. The choice therefore turns on something other than price.
The verdict, in this region
Assura-Basis and Atupri both come down to CHF 440.20 a month. At equal price, look at the model, the service and the reimbursement times.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to Assura-Basis is worth CHF 310.80 more a year. Agrisano
Where they stand in the region
Assura-Basis ranks 11 and Atupri ranks 10, 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 | Assura-Basis | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 497.40 | CHF 494.60 | + 2.80 |
| 500 | CHF 485.80 | CHF 483.00 | + 2.80 |
| 1'000 | CHF 456.60 | CHF 453.80 | + 2.80 |
| 1'500 | CHF 427.40 | CHF 424.60 | + 2.80 |
| 2'000 | CHF 398.30 | CHF 395.50 | + 2.80 |
| 2'500 | CHF 369.10 | CHF 366.30 | + 2.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | Atupri |
|---|---|---|
| Family doctor | CHF 440.20 | CHF 450.10 |
| Free choice of doctor | CHF 497.40 | CHF 494.60 |
| Other model | — | CHF 440.20 |
| HMO practice | — | CHF 440.20 |
How they moved in this region
Against 2025, Assura-Basis moves by + 2.5 % and Atupri by + 5.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.