ÖKK — Region 3 of canton Lucerne, 2026 premiums
ÖKK covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 295.70 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 3, cheapest to dearest.
The regional average across insurers is CHF 451.29 a month.
What staying costs
Moving from ÖKK to Agrisano, the cheapest insurer in this region, saves CHF 382.80 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 507.00 | CHF 456.30 | CHF 446.20 | CHF 456.30 |
| 500 | CHF 495.40 | CHF 444.70 | CHF 434.60 | CHF 444.70 |
| 1'000 | CHF 466.20 | CHF 415.50 | CHF 405.40 | CHF 415.50 |
| 1'500 | CHF 437.00 | CHF 386.30 | CHF 376.20 | CHF 386.30 |
| 2'000 | CHF 407.90 | CHF 357.20 | CHF 347.10 | CHF 357.20 |
| 2'500 | CHF 378.70 | CHF 328.00 | CHF 317.90 | CHF 328.00 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 380.30 | CHF 342.30 | CHF 334.70 | CHF 342.30 |
| 500 | CHF 368.70 | CHF 330.70 | CHF 323.10 | CHF 330.70 |
| 1'000 | CHF 339.50 | CHF 301.50 | CHF 293.90 | CHF 301.50 |
| 1'500 | CHF 310.30 | CHF 272.30 | CHF 264.70 | CHF 272.30 |
| 2'000 | CHF 281.20 | CHF 243.20 | CHF 235.60 | CHF 243.20 |
| 2'500 | CHF 252.00 | CHF 214.00 | CHF 206.40 | CHF 214.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 111.60 | CHF 100.40 | CHF 98.20 | CHF 100.40 |
| 200 | CHF 100.00 | CHF 88.80 | CHF 86.60 | CHF 88.80 |
| 400 | CHF 88.30 | CHF 77.10 | CHF 74.90 | CHF 77.10 |
| 600 | CHF 76.60 | CHF 65.40 | CHF 63.20 | CHF 65.40 |
With or without accident cover
With accident cover: CHF 507.00 a month. Without: CHF 471.60. Dropping it saves CHF 424.80 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 436.10 in 2025 to CHF 295.70 — a rise of 2.3 %.
The 55 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Lucerne, not to the municipality.
Aesch (LU) · Alberswil · Altbüron · Altishofen · Ballwil · Beromünster · Buttisholz · Büron · Dagmersellen · Doppleschwand · Egolzwil · Entlebuch · Ermensee · Eschenbach (LU) · Escholzmatt-Marbach · Ettiswil · Fischbach · Flühli · Geuensee · Gisikon · Greppen · Grossdietwil · Grosswangen · Hasle (LU) · Hergiswil bei Willisau · Hildisrieden · Hitzkirch · Hochdorf · Hohenrain · Inwil · Knutwil · Luthern · Mauensee · Menznau · Nebikon · Pfaffnau · Rain · Reiden · Rickenbach (LU) · Roggliswil · Romoos · Römerswil · Schlierbach · Schongau · Schwarzenberg · Schötz · Schüpfheim · Triengen · Ufhusen · Vitznau · Wauwil · Weggis · Wikon · Willisau · Zell (LU)
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 414.30 | View |
| Luzerner Hinterland | CHF 425.65 | View |
| Sanitas | CHF 429.50 | View |
| KPT | CHF 430.10 | View |
| Vivao Sympany | CHF 431.20 | View |
| sana24 | CHF 432.00 | View |
| CONCORDIA | CHF 435.20 | View |
| SWICA | CHF 437.40 | View |
| CSS | CHF 438.60 | View |
| Atupri | CHF 440.20 | View |
| Assura-Basis | CHF 440.20 | View |
| SLKK | CHF 442.70 | View |
| EGK | CHF 445.80 | View |
| Galenos | CHF 446.30 | View |
| Avenir | CHF 446.90 | View |
| Sumiswalder | CHF 449.70 | View |
| Helsana | CHF 450.20 | View |
| Aquilana | CHF 451.00 | View |
| Philos | CHF 467.30 | View |
| rhenusana | CHF 476.10 | View |
| Visana | CHF 485.30 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 521.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums.