Helsana or Atupri in Region 1 of canton Lucerne?
In Region 1, Atupri is CHF 244.80 a year cheaper than Helsana 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, Helsana to CHF 472.00. The gap is CHF 244.80 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
Helsana ranks 4 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 | Helsana | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 562.00 | CHF 525.10 | + 36.90 |
| 500 | CHF 550.40 | CHF 513.50 | + 36.90 |
| 1'000 | CHF 521.20 | CHF 484.30 | + 36.90 |
| 1'500 | CHF 492.00 | CHF 455.10 | + 36.90 |
| 2'000 | CHF 462.90 | CHF 426.00 | + 36.90 |
| 2'500 | CHF 433.70 | CHF 396.80 | + 36.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Atupri |
|---|---|---|
| Other model | CHF 472.00 | CHF 467.30 |
| Family doctor | CHF 472.00 | CHF 477.80 |
| Free choice of doctor | CHF 562.00 | CHF 525.10 |
| HMO practice | — | CHF 451.60 |
How they moved in this region
Against 2025, Helsana moves by + 4.6 % and Atupri by + 3.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.