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SWICA or Atupri in Region 1 of canton Lucerne?

In Region 1, Atupri is CHF 541.20 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

Atupri comes down to CHF 451.60 a month, SWICA to CHF 496.70. The gap is CHF 541.20 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

SWICA ranks 15 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.

DeductibleSWICAAtupriGap
300CHF 580.90CHF 525.10+ 55.80
500CHF 569.30CHF 513.50+ 55.80
1'000CHF 540.10CHF 484.30+ 55.80
1'500CHF 510.90CHF 455.10+ 55.80
2'000CHF 481.80CHF 426.00+ 55.80
2'500CHF 452.60CHF 396.80+ 55.80

Model by model

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

ModelSWICAAtupri
HMO practiceCHF 496.70CHF 451.60
Family doctorCHF 505.40CHF 477.80
Other modelCHF 528.70CHF 467.30
Free choice of doctorCHF 580.90CHF 525.10

How they moved in this region

Against 2025, SWICA moves by + 1.8 % and Atupri by + 3.9 % in this region.

SWICA, Atupri, 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.