Centre de santé or Médecin de famille — Obwalden
Obwalden: with ÖKK, Centre de santé costs CHF 427.20 a month in 2026 and Médecin de famille CHF 441.90, 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 176.40 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
| Deductible | Centre de santé | Médecin de famille | Gap per year |
|---|---|---|---|
| 300 | CHF 427.20 | CHF 441.90 | CHF 176.40 |
| 500 | CHF 415.60 | CHF 430.30 | CHF 176.40 |
| 1'000 | CHF 386.40 | CHF 401.10 | CHF 176.40 |
| 1'500 | CHF 357.20 | CHF 371.90 | CHF 176.40 |
| 2'000 | CHF 328.10 | CHF 342.80 | CHF 176.40 |
| 2'500 | CHF 298.90 | CHF 313.60 | CHF 176.40 |
The comparison, region by region
- Centre de santé or Médecin de famille?
- 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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- 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
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.