Visana or Atupri in Region 3 of canton Lucerne?
In Region 3, Atupri is CHF 541.20 a year cheaper than Visana 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 440.20 a month, Visana to CHF 485.30. The gap is CHF 541.20 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 Atupri is worth CHF 310.80 more a year. Agrisano
Where they stand in the region
Visana ranks 22 and Atupri ranks 10, 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 | Visana | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 561.00 | CHF 494.60 | + 66.40 |
| 500 | CHF 554.30 | CHF 483.00 | + 71.30 |
| 1'000 | CHF 520.20 | CHF 453.80 | + 66.40 |
| 1'500 | CHF 491.00 | CHF 424.60 | + 66.40 |
| 2'000 | CHF 461.80 | CHF 395.50 | + 66.30 |
| 2'500 | CHF 432.70 | CHF 366.30 | + 66.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | Atupri |
|---|---|---|
| HMO practice | CHF 485.30 | CHF 440.20 |
| Family doctor | CHF 488.10 | CHF 450.10 |
| Other model | CHF 493.70 | CHF 440.20 |
| Free choice of doctor | CHF 561.00 | CHF 494.60 |
How they moved in this region
Against 2025, Visana moves by − 1.4 % and Atupri by + 5.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.