Atupri SmartCare — Region 3, Lucerne
Region 3, Lucerne: the SmartCare model from Atupri costs CHF 440.20 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 440.20, SmartCare is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SmartCare costs CHF 652.80 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 440.20 | CHF 418.20 |
| 500 | CHF 428.60 | CHF 407.20 |
| 1'000 | CHF 399.40 | CHF 379.40 |
| 1'500 | CHF 370.20 | CHF 351.70 |
| 2'000 | CHF 341.10 | CHF 324.00 |
| 2'500 | CHF 311.90 | CHF 296.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 316.90 | CHF 301.10 |
| 500 | CHF 305.30 | CHF 290.00 |
| 1'000 | CHF 276.10 | CHF 262.30 |
| 1'500 | CHF 246.90 | CHF 234.60 |
| 2'000 | CHF 217.80 | CHF 206.90 |
| 2'500 | CHF 188.60 | CHF 179.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 118.80 | CHF 112.90 |
| 100 | CHF 113.00 | CHF 107.40 |
| 200 | CHF 107.20 | CHF 101.80 |
| 400 | CHF 95.50 | CHF 90.70 |
| 600 | CHF 83.80 | CHF 79.60 |
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 2
- 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.