Atupri or Mutuel in Region 2 of canton Lucerne?
In Region 2, Atupri is CHF 854.40 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 455.70 a month, Mutuel to CHF 526.90. The gap is CHF 854.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to Atupri is worth CHF 360.00 more a year. Agrisano
Where they stand in the region
Atupri ranks 10 and Mutuel ranks 25, 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 512.00 | CHF 602.20 | − 90.20 |
| 500 | CHF 500.40 | CHF 590.70 | − 90.30 |
| 1'000 | CHF 471.20 | CHF 561.70 | − 90.50 |
| 1'500 | CHF 442.00 | CHF 532.20 | − 90.20 |
| 2'000 | CHF 412.90 | CHF 503.20 | − 90.30 |
| 2'500 | CHF 383.70 | CHF 474.20 | − 90.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Atupri | Mutuel |
|---|---|---|
| Other model | CHF 455.70 | CHF 526.90 |
| HMO practice | CHF 458.20 | CHF 530.00 |
| Family doctor | CHF 468.50 | CHF 548.00 |
| Free choice of doctor | CHF 512.00 | CHF 602.20 |
How they moved in this region
Against 2025, Atupri moves by + 4.9 % and Mutuel by + 8.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.