Sanitas or Atupri in Region 1 of canton Lucerne?
In Region 1, Atupri is CHF 120.00 a year cheaper than Sanitas 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, Sanitas to CHF 461.60. The gap is CHF 120.00 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
Sanitas ranks 2 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 | Sanitas | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 530.60 | CHF 525.10 | + 5.50 |
| 500 | CHF 519.00 | CHF 513.50 | + 5.50 |
| 1'000 | CHF 489.80 | CHF 484.30 | + 5.50 |
| 1'500 | CHF 460.60 | CHF 455.10 | + 5.50 |
| 2'000 | CHF 431.50 | CHF 426.00 | + 5.50 |
| 2'500 | CHF 402.30 | CHF 396.80 | + 5.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Atupri |
|---|---|---|
| Family doctor | CHF 461.60 | CHF 477.80 |
| Other model | CHF 461.70 | CHF 467.30 |
| HMO practice | CHF 482.90 | CHF 451.60 |
| Free choice of doctor | CHF 530.60 | CHF 525.10 |
How they moved in this region
Against 2025, Sanitas moves by + 3.7 % and Atupri by + 3.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.