ÖKK in the canton of Lucerne — 2026 premiums
ÖKK covers the 79 municipalities of the canton of Lucerne. Its lowest adult premium there is CHF 446.20 a month, with a 300-franc deductible and accident cover included.
Where it stands
ÖKK ranks 14 out of 25 active insurers in the canton of Lucerne, cheapest to dearest.
The cantonal average across all insurers is CHF 451.29 a month.
What switching would save you
Moving from ÖKK to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 382.80 a year — for strictly identical cover, since the law requires the same benefits from every insurer.
The figure is for an adult with a 300-franc deductible and accident cover. Your actual gap depends on your age, your deductible and your municipality — the comparator works it out for your situation.
Premium regions in the canton of Lucerne
A premium does not depend on the municipality but on the premium region it belongs to. Every municipality in the same region pays the same rate with the same insurer.
| Region | Municipalities | For example | From |
|---|---|---|---|
| 1 | 5 | Ebikon, Emmen, Horw, Kriens | CHF 481.40 |
| 2 | 19 | Adligenswil, Buchrain, Dierikon, Eich | CHF 458.50 |
| 3 | 55 | Aesch (LU), Alberswil, Altbüron, Altishofen | CHF 446.20 |
The models offered by ÖKK
The model changes the price without changing the benefits: what varies is your freedom to choose your first point of care.
| Model | Premium |
|---|---|
| HMO practice — Gesundheitszentrum | CHF 481.40 |
| Other model — Select | CHF 492.30 |
| Family doctor — Hausarzt | CHF 492.30 |
| Free choice of doctor — Grundversicherung | CHF 547.00 |
The other insurers in the canton of Lucerne
25 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 414.30 | View |
| Krankenkasse Luzerner Hinterland | CHF 425.65 | View |
| Sanitas Grundversicherungen AG | CHF 429.50 | View |
| KPT Caisse-maladie SA | CHF 430.10 | View |
| Vivao Sympany SA | CHF 431.20 | View |
| sana24 AG | CHF 432.00 | View |
| CONCORDIA Assurance suisse de maladie et accidents SA | CHF 435.20 | View |
| SWICA Assurance-maladie SA | CHF 437.40 | View |
| CSS Assurance-maladie SA | CHF 438.60 | View |
| Atupri Assurance de la santé SA | CHF 440.20 | View |
| Assura-Basis SA | CHF 440.20 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 442.70 | View |
| EGK Grundversicherungen AG | CHF 445.80 | View |
| Galenos AG | CHF 446.30 | View |
| Avenir Assurance | CHF 446.90 | View |
| Sumiswalder Krankenkasse | CHF 449.70 | View |
| Helsana Assurances SA | CHF 450.20 | View |
| Aquilana Versicherungen | CHF 451.00 | View |
| Philos Assurance | CHF 467.30 | View |
| rhenusana | CHF 476.10 | View |
| Visana AG | CHF 485.30 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler Krankenkasse | CHF 512.75 | View |
| Mutuel Assurance | CHF 521.30 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.