ÖKK — Region 2 of canton Lucerne, 2026 premiums
ÖKK covers the 19 municipalities of Region 2 in canton Lucerne. Its lowest adult premium here is CHF 307.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
ÖKK ranks 14 out of 25 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 464.78 a month.
What staying costs
Moving from ÖKK to Agrisano, the cheapest insurer in this region, saves CHF 393.60 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 521.00 | CHF 468.90 | CHF 458.50 | CHF 468.90 |
| 500 | CHF 509.40 | CHF 457.30 | CHF 446.90 | CHF 457.30 |
| 1'000 | CHF 480.20 | CHF 428.10 | CHF 417.70 | CHF 428.10 |
| 1'500 | CHF 451.00 | CHF 398.90 | CHF 388.50 | CHF 398.90 |
| 2'000 | CHF 421.90 | CHF 369.80 | CHF 359.40 | CHF 369.80 |
| 2'500 | CHF 392.70 | CHF 340.60 | CHF 330.20 | CHF 340.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 390.80 | CHF 351.70 | CHF 343.90 | CHF 351.70 |
| 500 | CHF 379.20 | CHF 340.10 | CHF 332.30 | CHF 340.10 |
| 1'000 | CHF 350.00 | CHF 310.90 | CHF 303.10 | CHF 310.90 |
| 1'500 | CHF 320.80 | CHF 281.70 | CHF 273.90 | CHF 281.70 |
| 2'000 | CHF 291.70 | CHF 252.60 | CHF 244.80 | CHF 252.60 |
| 2'500 | CHF 262.50 | CHF 223.40 | CHF 215.60 | CHF 223.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 114.70 | CHF 103.20 | CHF 100.90 | CHF 103.20 |
| 200 | CHF 103.10 | CHF 91.60 | CHF 89.30 | CHF 91.60 |
| 400 | CHF 91.40 | CHF 79.90 | CHF 77.60 | CHF 79.90 |
| 600 | CHF 79.70 | CHF 68.20 | CHF 65.90 | CHF 68.20 |
With or without accident cover
With accident cover: CHF 521.00 a month. Without: CHF 484.60. Dropping it saves CHF 436.80 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 448.10 in 2025 to CHF 307.10 — a rise of 2.3 %.
The 19 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Lucerne, not to the municipality.
Adligenswil · Buchrain · Dierikon · Eich · Malters · Meggen · Meierskappel · Neuenkirch · Nottwil · Oberkirch · Root · Rothenburg · Ruswil · Schenkon · Sempach · Sursee · Udligenswil · Werthenstein · Wolhusen
The other insurers in Region 2
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 425.70 | View |
| Luzerner Hinterland | CHF 440.45 | View |
| CSS | CHF 441.70 | View |
| Sanitas | CHF 443.60 | View |
| sana24 | CHF 445.10 | View |
| Vivao Sympany | CHF 445.50 | View |
| KPT | CHF 446.90 | View |
| CONCORDIA | CHF 447.40 | View |
| EGK | CHF 451.20 | View |
| Atupri | CHF 455.70 | View |
| Avenir | CHF 456.40 | View |
| Assura-Basis | CHF 456.60 | View |
| SLKK | CHF 458.00 | View |
| Helsana | CHF 458.60 | View |
| Galenos | CHF 464.50 | View |
| Sumiswalder | CHF 464.60 | View |
| Aquilana | CHF 468.20 | View |
| SWICA | CHF 476.60 | View |
| Philos | CHF 485.20 | View |
| Visana | CHF 485.30 | View |
| rhenusana | CHF 498.60 | View |
| vita surselva | CHF 505.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 526.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.