Avenir OptiMed — Region 3, Lucerne
Region 3, Lucerne: the OptiMed model from Avenir costs CHF 460.00 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 460.00, OptiMed is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 788.40 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 460.00 | CHF 427.80 |
| 500 | CHF 448.50 | CHF 417.10 |
| 1'000 | CHF 419.50 | CHF 390.10 |
| 1'500 | CHF 390.00 | CHF 362.70 |
| 2'000 | CHF 361.00 | CHF 335.70 |
| 2'500 | CHF 332.00 | CHF 308.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 333.20 | CHF 309.90 |
| 500 | CHF 321.70 | CHF 299.20 |
| 1'000 | CHF 292.70 | CHF 272.20 |
| 1'500 | CHF 263.20 | CHF 244.80 |
| 2'000 | CHF 234.20 | CHF 217.80 |
| 2'500 | CHF 205.20 | CHF 190.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 118.30 | CHF 110.10 |
| 100 | CHF 112.50 | CHF 104.70 |
| 200 | CHF 106.70 | CHF 99.30 |
| 300 | CHF 100.80 | CHF 93.80 |
| 400 | CHF 95.00 | CHF 88.40 |
| 500 | CHF 89.20 | CHF 83.00 |
| 600 | CHF 83.30 | CHF 77.50 |
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 1
- Lucerne — Region 2
- 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.