Assura-Basis or Visana in Region 3 of canton Lucerne?
In Region 3, Assura-Basis is CHF 541.20 a year cheaper than Visana 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, Visana to CHF 485.30. The gap is CHF 541.20 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 Visana ranks 22, 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 | Visana | Gap |
|---|---|---|---|
| 300 | CHF 497.40 | CHF 561.00 | − 63.60 |
| 500 | CHF 485.80 | CHF 554.30 | − 68.50 |
| 1'000 | CHF 456.60 | CHF 520.20 | − 63.60 |
| 1'500 | CHF 427.40 | CHF 491.00 | − 63.60 |
| 2'000 | CHF 398.30 | CHF 461.80 | − 63.50 |
| 2'500 | CHF 369.10 | CHF 432.70 | − 63.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | Visana |
|---|---|---|
| Family doctor | CHF 440.20 | CHF 488.10 |
| Free choice of doctor | CHF 497.40 | CHF 561.00 |
| HMO practice | — | CHF 485.30 |
| Other model | — | CHF 493.70 |
How they moved in this region
Against 2025, Assura-Basis moves by + 2.5 % and Visana by − 1.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.