Atupri HMO — Region 1, Lucerne

Region 1, Lucerne: the HMO model from Atupri costs CHF 451.60 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.

At CHF 451.60, HMO is the lowest premium in this region, across every insurer and every model.

On average, HMO costs CHF 882.00 less per year than Atupri's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.