ÖKK — Region 1 of canton Lucerne, 2026 premiums
ÖKK covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 328.40 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
ÖKK ranks 10 out of 25 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 498.12 a month.
What staying costs
Moving from ÖKK to Atupri, the cheapest insurer in this region, saves CHF 357.60 a year for an adult on the same profile.
The full ÖKK table
160 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 547.00 | CHF 492.30 | CHF 481.40 | CHF 492.30 |
| 500 | CHF 535.40 | CHF 480.70 | CHF 469.80 | CHF 480.70 |
| 1'000 | CHF 506.20 | CHF 451.50 | CHF 440.60 | CHF 451.50 |
| 1'500 | CHF 477.00 | CHF 422.30 | CHF 411.40 | CHF 422.30 |
| 2'000 | CHF 447.90 | CHF 393.20 | CHF 382.30 | CHF 393.20 |
| 2'500 | CHF 418.70 | CHF 364.00 | CHF 353.10 | CHF 364.00 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 410.30 | CHF 369.30 | CHF 361.10 | CHF 369.30 |
| 500 | CHF 398.70 | CHF 357.70 | CHF 349.50 | CHF 357.70 |
| 1'000 | CHF 369.50 | CHF 328.50 | CHF 320.30 | CHF 328.50 |
| 1'500 | CHF 340.30 | CHF 299.30 | CHF 291.10 | CHF 299.30 |
| 2'000 | CHF 311.20 | CHF 270.20 | CHF 262.00 | CHF 270.20 |
| 2'500 | CHF 282.00 | CHF 241.00 | CHF 232.80 | CHF 241.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 120.40 | CHF 108.40 | CHF 105.90 | CHF 108.40 |
| 200 | CHF 108.80 | CHF 96.80 | CHF 94.30 | CHF 96.80 |
| 400 | CHF 97.10 | CHF 85.10 | CHF 82.60 | CHF 85.10 |
| 600 | CHF 85.40 | CHF 73.40 | CHF 70.90 | CHF 73.40 |
With or without accident cover
With accident cover: CHF 547.00 a month. Without: CHF 508.80. Dropping it saves CHF 458.40 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 470.50 in 2025 to CHF 328.40 — a rise of 2.3 %.
The 5 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Lucerne, not to the municipality.
The other insurers in Region 1
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Atupri | CHF 451.60 | View |
| Sanitas | CHF 461.60 | View |
| Vivao Sympany | CHF 465.50 | View |
| Helsana | CHF 472.00 | View |
| Luzerner Hinterland | CHF 472.40 | View |
| CSS | CHF 473.80 | View |
| Avenir | CHF 475.40 | View |
| CONCORDIA | CHF 476.00 | View |
| Assura-Basis | CHF 478.80 | View |
| sana24 | CHF 484.50 | View |
| EGK | CHF 491.60 | View |
| Galenos | CHF 495.30 | View |
| Agrisano | CHF 496.20 | View |
| SWICA | CHF 496.70 | View |
| KPT | CHF 498.70 | View |
| Aquilana | CHF 500.60 | View |
| Sumiswalder | CHF 504.50 | View |
| SLKK | CHF 508.90 | View |
| Philos | CHF 510.70 | View |
| Visana | CHF 529.70 | View |
| vita surselva | CHF 543.40 | View |
| rhenusana | CHF 547.90 | View |
| Mutuel | CHF 560.60 | View |
| Einsiedler | CHF 575.25 | View |
Source: Federal Office of Public Health (FOPH), official premiums.