SWICA or Assura-Basis in Region 2 of canton Lucerne?
In Region 2, Assura-Basis is CHF 240.00 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 456.60 a month, SWICA to CHF 476.60. The gap is CHF 240.00 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 Assura-Basis is worth CHF 370.80 more a year. Agrisano
Where they stand in the region
SWICA ranks 19 and Assura-Basis ranks 12, 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 550.90 | CHF 515.90 | + 35.00 |
| 500 | CHF 539.30 | CHF 504.30 | + 35.00 |
| 1'000 | CHF 510.10 | CHF 475.10 | + 35.00 |
| 1'500 | CHF 480.90 | CHF 445.90 | + 35.00 |
| 2'000 | CHF 451.80 | CHF 416.80 | + 35.00 |
| 2'500 | CHF 422.60 | CHF 387.60 | + 35.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Assura-Basis |
|---|---|---|
| HMO practice | CHF 476.60 | — |
| Family doctor | CHF 482.10 | CHF 456.60 |
| Other model | CHF 512.40 | — |
| Free choice of doctor | CHF 550.90 | CHF 515.90 |
How they moved in this region
Against 2025, SWICA moves by + 1.9 % and Assura-Basis by + 2.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.