Atupri or Mutuel in Region 3 of canton Lucerne?
In Region 3, Atupri is CHF 973.20 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 440.20 a month, Mutuel to CHF 521.30. The gap is CHF 973.20 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 Atupri is worth CHF 310.80 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 494.60 | CHF 595.80 | − 101.20 |
| 500 | CHF 483.00 | CHF 584.30 | − 101.30 |
| 1'000 | CHF 453.80 | CHF 555.30 | − 101.50 |
| 1'500 | CHF 424.60 | CHF 525.80 | − 101.20 |
| 2'000 | CHF 395.50 | CHF 496.80 | − 101.30 |
| 2'500 | CHF 366.30 | CHF 467.80 | − 101.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Atupri | Mutuel |
|---|---|---|
| Other model | CHF 440.20 | CHF 521.30 |
| HMO practice | CHF 440.20 | CHF 524.30 |
| Family doctor | CHF 450.10 | CHF 542.20 |
| Free choice of doctor | CHF 494.60 | CHF 595.80 |
How they moved in this region
Against 2025, Atupri moves by + 5.0 % and Mutuel by + 8.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.