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Centre de santé or Médecin de famille — Region 1, Lucerne

Region 1, Lucerne: with ÖKK, Centre de santé costs CHF 481.40 a month in 2026 and Médecin de famille CHF 492.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

Centre de santé is the cheaper of the two here: CHF 130.80 saved per year against Médecin de famille, for cover identical under the law. What you pay more or less for is the care pathway.

What you accept in each case

Centre de santé is a "Group practice (HMO)" model. Médecin de famille is a "Family doctor" model.

  • Centre de santé

    Group practice (HMO)

    You go to a designated group practice, which coordinates your care.

  • Médecin de famille

    Family doctor

    You pick a family doctor and always go to them first.

The price at every deductible

DeductibleCentre de santéMédecin de familleGap per year
300CHF 481.40CHF 492.30CHF 130.80
500CHF 469.80CHF 480.70CHF 130.80
1'000CHF 440.60CHF 451.50CHF 130.80
1'500CHF 411.40CHF 422.30CHF 130.80
2'000CHF 382.30CHF 393.20CHF 130.80
2'500CHF 353.10CHF 364.00CHF 130.80

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.