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Sanitas or Assura-Basis in Region 3 of canton Lucerne?

In Region 3, Sanitas is CHF 128.40 a year cheaper than Assura-Basis for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

Sanitas comes down to CHF 429.50 a month, Assura-Basis to CHF 440.20. The gap is CHF 128.40 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 Sanitas is worth CHF 182.40 more a year. Agrisano

Where they stand in the region

Sanitas ranks 3 and Assura-Basis ranks 11, 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.

DeductibleSanitasAssura-BasisGap
300CHF 493.70CHF 497.40− 3.70
500CHF 482.10CHF 485.80− 3.70
1'000CHF 452.90CHF 456.60− 3.70
1'500CHF 423.70CHF 427.40− 3.70
2'000CHF 394.60CHF 398.30− 3.70
2'500CHF 365.40CHF 369.10− 3.70

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelSanitasAssura-Basis
Family doctorCHF 429.50CHF 440.20
Other modelCHF 444.40—
HMO practiceCHF 449.30—
Free choice of doctorCHF 493.70CHF 497.40

How they moved in this region

Against 2025, Sanitas moves by + 4.8 % and Assura-Basis by + 2.5 % in this region.

Sanitas, Assura-Basis, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.