Atupri SmartCare — Region 2, Lucerne
Region 2, Lucerne: the SmartCare model from Atupri costs CHF 455.70 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 455.70, SmartCare is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SmartCare costs CHF 675.60 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.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 455.70 | CHF 432.90 |
| 500 | CHF 444.10 | CHF 421.90 |
| 1'000 | CHF 414.90 | CHF 394.20 |
| 1'500 | CHF 385.70 | CHF 366.40 |
| 2'000 | CHF 356.60 | CHF 338.80 |
| 2'500 | CHF 327.40 | CHF 311.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 328.10 | CHF 311.70 |
| 500 | CHF 316.50 | CHF 300.70 |
| 1'000 | CHF 287.30 | CHF 272.90 |
| 1'500 | CHF 258.10 | CHF 245.20 |
| 2'000 | CHF 229.00 | CHF 217.60 |
| 2'500 | CHF 199.80 | CHF 189.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.00 | CHF 116.90 |
| 100 | CHF 117.20 | CHF 111.30 |
| 200 | CHF 111.40 | CHF 105.80 |
| 400 | CHF 99.70 | CHF 94.70 |
| 600 | CHF 88.00 | CHF 83.60 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.