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Assura-Basis or ÖKK in Region 3 of canton Lucerne?

In Region 3, Assura-Basis is CHF 72.00 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 440.20 a month, ÖKK to CHF 446.20. The gap is CHF 72.00 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 Assura-Basis is worth CHF 310.80 more a year. Agrisano

Where they stand in the region

Assura-Basis ranks 11 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.

DeductibleAssura-BasisÖKKGap
300CHF 497.40CHF 507.00− 9.60
500CHF 485.80CHF 495.40− 9.60
1'000CHF 456.60CHF 466.20− 9.60
1'500CHF 427.40CHF 437.00− 9.60
2'000CHF 398.30CHF 407.90− 9.60
2'500CHF 369.10CHF 378.70− 9.60

Model by model

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

ModelAssura-BasisÖKK
Family doctorCHF 440.20CHF 456.30
Free choice of doctorCHF 497.40CHF 507.00
HMO practice—CHF 446.20
Other model—CHF 456.30

How they moved in this region

Against 2025, Assura-Basis moves by + 2.5 % and ÖKK by + 2.3 % in this region.

Assura-Basis, ÖKK, 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.