Avenir OptiMed — Region 1, Lucerne
Region 1, Lucerne: the OptiMed model from Avenir costs CHF 489.30 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 489.30, OptiMed is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 838.80 less per year than Avenir'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 489.30 | CHF 455.10 |
| 500 | CHF 477.80 | CHF 444.40 |
| 1'000 | CHF 448.80 | CHF 417.40 |
| 1'500 | CHF 419.30 | CHF 390.00 |
| 2'000 | CHF 390.30 | CHF 363.00 |
| 2'500 | CHF 361.30 | CHF 336.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 354.50 | CHF 329.70 |
| 500 | CHF 343.00 | CHF 319.00 |
| 1'000 | CHF 314.00 | CHF 292.00 |
| 1'500 | CHF 284.50 | CHF 264.60 |
| 2'000 | CHF 255.50 | CHF 237.60 |
| 2'500 | CHF 226.50 | CHF 210.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.90 | CHF 117.10 |
| 100 | CHF 120.10 | CHF 111.70 |
| 200 | CHF 114.30 | CHF 106.30 |
| 300 | CHF 108.40 | CHF 100.80 |
| 400 | CHF 102.60 | CHF 95.40 |
| 500 | CHF 96.80 | CHF 90.00 |
| 600 | CHF 90.90 | CHF 84.50 |
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
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Vaud — Region 1
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.