CSS or Atupri in Region 1 of canton Lucerne?
In Region 1, Atupri is CHF 266.40 a year cheaper than CSS 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, CSS to CHF 473.80. The gap is CHF 266.40 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
CSS ranks 6 and Atupri ranks 1, 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 | CSS | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 564.00 | CHF 525.10 | + 38.90 |
| 500 | CHF 552.40 | CHF 513.50 | + 38.90 |
| 1'000 | CHF 523.20 | CHF 484.30 | + 38.90 |
| 1'500 | CHF 494.00 | CHF 455.10 | + 38.90 |
| 2'000 | CHF 464.90 | CHF 426.00 | + 38.90 |
| 2'500 | CHF 435.70 | CHF 396.80 | + 38.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Atupri |
|---|---|---|
| Family doctor | CHF 473.80 | CHF 477.80 |
| Other model | CHF 518.90 | CHF 467.30 |
| Free choice of doctor | CHF 564.00 | CHF 525.10 |
| HMO practice | — | CHF 451.60 |
How they moved in this region
Against 2025, CSS moves by + 2.4 % and Atupri by + 3.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.