Assura-Basis or Mutuel in Region 1 of canton Lucerne?
In Region 1, Assura-Basis is CHF 981.60 a year cheaper than Mutuel for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Assura-Basis comes down to CHF 478.80 a month, Mutuel to CHF 560.60. The gap is CHF 981.60 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 Assura-Basis is worth CHF 326.40 more a year. Atupri
Where they stand in the region
Assura-Basis ranks 9 and Mutuel ranks 24, 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 | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 553.50 | CHF 640.60 | − 87.10 |
| 500 | CHF 541.90 | CHF 629.10 | − 87.20 |
| 1'000 | CHF 512.70 | CHF 600.10 | − 87.40 |
| 1'500 | CHF 483.50 | CHF 570.60 | − 87.10 |
| 2'000 | CHF 454.40 | CHF 541.60 | − 87.20 |
| 2'500 | CHF 425.20 | CHF 512.60 | − 87.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | Mutuel |
|---|---|---|
| Family doctor | CHF 478.80 | CHF 583.00 |
| Free choice of doctor | CHF 553.50 | CHF 640.60 |
| Other model | — | CHF 560.60 |
| HMO practice | — | CHF 563.80 |
How they moved in this region
Against 2025, Assura-Basis moves by + 2.5 % and Mutuel by + 8.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.