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Assura-Basis or CONCORDIA in Region 1 of canton Lucerne?

In Region 1, CONCORDIA is CHF 33.60 a year cheaper than Assura-Basis for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

CONCORDIA comes down to CHF 476.00 a month, Assura-Basis to CHF 478.80. The gap is CHF 33.60 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to CONCORDIA is worth CHF 292.80 more a year. Atupri

Where they stand in the region

Assura-Basis ranks 9 and CONCORDIA ranks 8, 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.

DeductibleAssura-BasisCONCORDIAGap
300CHF 553.50CHF 556.70− 3.20
500CHF 541.90CHF 545.10− 3.20
1'000CHF 512.70CHF 515.90− 3.20
1'500CHF 483.50CHF 486.70− 3.20
2'000CHF 454.40CHF 457.60− 3.20
2'500CHF 425.20CHF 428.40− 3.20

Model by model

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

ModelAssura-BasisCONCORDIA
Family doctorCHF 478.80CHF 501.10
Free choice of doctorCHF 553.50CHF 556.70
HMO practice—CHF 476.00
Other model—CHF 484.40

How they moved in this region

Against 2025, Assura-Basis moves by + 2.5 % and CONCORDIA by + 7.3 % in this region.

Assura-Basis, CONCORDIA, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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