Avenir OptiMed — Region 2, Lucerne
Region 2, Lucerne: the OptiMed model from Avenir costs CHF 469.80 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 469.80, OptiMed is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 805.20 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 469.80 | CHF 436.90 |
| 500 | CHF 458.30 | CHF 426.20 |
| 1'000 | CHF 429.30 | CHF 399.20 |
| 1'500 | CHF 399.80 | CHF 371.80 |
| 2'000 | CHF 370.80 | CHF 344.80 |
| 2'500 | CHF 341.80 | CHF 317.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 340.30 | CHF 316.50 |
| 500 | CHF 328.80 | CHF 305.80 |
| 1'000 | CHF 299.80 | CHF 278.80 |
| 1'500 | CHF 270.30 | CHF 251.40 |
| 2'000 | CHF 241.30 | CHF 224.40 |
| 2'500 | CHF 212.30 | CHF 197.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 120.90 | CHF 112.40 |
| 100 | CHF 115.10 | CHF 107.00 |
| 200 | CHF 109.30 | CHF 101.60 |
| 300 | CHF 103.40 | CHF 96.10 |
| 400 | CHF 97.60 | CHF 90.70 |
| 500 | CHF 91.80 | CHF 85.30 |
| 600 | CHF 85.90 | CHF 79.80 |
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 1
- 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.