Atupri or Mutuel in Region 1 of canton Lucerne?
In Region 1, Atupri is CHF 1'308.00 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
Atupri comes down to CHF 451.60 a month, Mutuel to CHF 560.60. The gap is CHF 1'308.00 a year, 300-franc deductible, accident cover included.
What the question hides
Atupri is also the cheapest insurer in the region, out of 25 active insurers. Duel and ranking give the same answer here.
Where they stand in the region
Atupri ranks 1 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 | Atupri | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 525.10 | CHF 640.60 | − 115.50 |
| 500 | CHF 513.50 | CHF 629.10 | − 115.60 |
| 1'000 | CHF 484.30 | CHF 600.10 | − 115.80 |
| 1'500 | CHF 455.10 | CHF 570.60 | − 115.50 |
| 2'000 | CHF 426.00 | CHF 541.60 | − 115.60 |
| 2'500 | CHF 396.80 | CHF 512.60 | − 115.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Atupri | Mutuel |
|---|---|---|
| HMO practice | CHF 451.60 | CHF 563.80 |
| Other model | CHF 467.30 | CHF 560.60 |
| Family doctor | CHF 477.80 | CHF 583.00 |
| Free choice of doctor | CHF 525.10 | CHF 640.60 |
How they moved in this region
Against 2025, Atupri moves by + 3.9 % and Mutuel by + 8.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.