Atupri or ÖKK in Region 2 of canton Lucerne?
In Region 2, Atupri is CHF 33.60 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
Atupri comes down to CHF 455.70 a month, ÖKK to CHF 458.50. The gap is CHF 33.60 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 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.
| Deductible | Atupri | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 512.00 | CHF 521.00 | − 9.00 |
| 500 | CHF 500.40 | CHF 509.40 | − 9.00 |
| 1'000 | CHF 471.20 | CHF 480.20 | − 9.00 |
| 1'500 | CHF 442.00 | CHF 451.00 | − 9.00 |
| 2'000 | CHF 412.90 | CHF 421.90 | − 9.00 |
| 2'500 | CHF 383.70 | CHF 392.70 | − 9.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Atupri | ÖKK |
|---|---|---|
| Other model | CHF 455.70 | CHF 468.90 |
| HMO practice | CHF 458.20 | CHF 458.50 |
| Family doctor | CHF 468.50 | CHF 468.90 |
| Free choice of doctor | CHF 512.00 | CHF 521.00 |
How they moved in this region
Against 2025, Atupri moves by + 4.9 % and ÖKK by + 2.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.