Helsana or Atupri in Region 2 of canton Lucerne?
In Region 2, Atupri is CHF 34.80 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 455.70 a month, Helsana to CHF 458.60. The gap is CHF 34.80 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
Helsana ranks 15 and Atupri ranks 10, 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 546.00 | CHF 512.00 | + 34.00 |
| 500 | CHF 534.40 | CHF 500.40 | + 34.00 |
| 1'000 | CHF 505.20 | CHF 471.20 | + 34.00 |
| 1'500 | CHF 476.00 | CHF 442.00 | + 34.00 |
| 2'000 | CHF 446.90 | CHF 412.90 | + 34.00 |
| 2'500 | CHF 417.70 | CHF 383.70 | + 34.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Atupri |
|---|---|---|
| Other model | CHF 458.60 | CHF 455.70 |
| Family doctor | CHF 458.60 | CHF 468.50 |
| Free choice of doctor | CHF 546.00 | CHF 512.00 |
| HMO practice | — | CHF 458.20 |
How they moved in this region
Against 2025, Helsana moves by + 5.4 % and Atupri by + 4.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.