Assura-Basis or ÖKK in Region 1 of canton Lucerne?
In Region 1, Assura-Basis is CHF 31.20 a year cheaper than ÖKK 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, ÖKK to CHF 481.40. The gap is CHF 31.20 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 ÖKK 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 | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 553.50 | CHF 547.00 | + 6.50 |
| 500 | CHF 541.90 | CHF 535.40 | + 6.50 |
| 1'000 | CHF 512.70 | CHF 506.20 | + 6.50 |
| 1'500 | CHF 483.50 | CHF 477.00 | + 6.50 |
| 2'000 | CHF 454.40 | CHF 447.90 | + 6.50 |
| 2'500 | CHF 425.20 | CHF 418.70 | + 6.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | ÖKK |
|---|---|---|
| Family doctor | CHF 478.80 | CHF 492.30 |
| Free choice of doctor | CHF 553.50 | CHF 547.00 |
| HMO practice | — | CHF 481.40 |
| Other model | — | CHF 492.30 |
How they moved in this region
Against 2025, Assura-Basis moves by + 2.5 % and ÖKK by + 2.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.