Centre de santé or Select — Region 3, Lucerne
Region 3, Lucerne: with ÖKK, Centre de santé costs CHF 446.20 a month in 2026 and Select CHF 456.30, 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 121.20 saved per year against Select, 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. Select is a "Telemedicine and others" model.
- Centre de santé
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- Select
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | Centre de santé | Select | Gap per year |
|---|---|---|---|
| 300 | CHF 446.20 | CHF 456.30 | CHF 121.20 |
| 500 | CHF 434.60 | CHF 444.70 | CHF 121.20 |
| 1'000 | CHF 405.40 | CHF 415.50 | CHF 121.20 |
| 1'500 | CHF 376.20 | CHF 386.30 | CHF 121.20 |
| 2'000 | CHF 347.10 | CHF 357.20 | CHF 121.20 |
| 2'500 | CHF 317.90 | CHF 328.00 | CHF 121.20 |
The comparison, region by region
- Centre de santé or Select?
- 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
- Neuchâtel
- Nidwalden
- Obwalden
- 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.