SWICA or Assura-Basis in Region 1 of canton Lucerne?
In Region 1, Assura-Basis is CHF 214.80 a year cheaper than SWICA for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Assura-Basis comes down to CHF 478.80 a month, SWICA to CHF 496.70. The gap is CHF 214.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to Assura-Basis is worth CHF 326.40 more a year. Atupri
Where they stand in the region
SWICA ranks 15 and Assura-Basis ranks 9, 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 | SWICA | Assura-Basis | Gap |
|---|---|---|---|
| 300 | CHF 580.90 | CHF 553.50 | + 27.40 |
| 500 | CHF 569.30 | CHF 541.90 | + 27.40 |
| 1'000 | CHF 540.10 | CHF 512.70 | + 27.40 |
| 1'500 | CHF 510.90 | CHF 483.50 | + 27.40 |
| 2'000 | CHF 481.80 | CHF 454.40 | + 27.40 |
| 2'500 | CHF 452.60 | CHF 425.20 | + 27.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Assura-Basis |
|---|---|---|
| HMO practice | CHF 496.70 | — |
| Family doctor | CHF 505.40 | CHF 478.80 |
| Other model | CHF 528.70 | — |
| Free choice of doctor | CHF 580.90 | CHF 553.50 |
How they moved in this region
Against 2025, SWICA moves by + 1.8 % and Assura-Basis by + 2.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.