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Centre de santé or Télémédecine — Region 2, Lucerne

Region 2, Lucerne: with ÖKK, Centre de santé costs CHF 458.50 a month in 2026 and Télémédecine CHF 476.80, 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 219.60 saved per year against Télémédecine, 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. Télémédecine is a "Telemedicine and others" model.

  • Centre de santé

    Group practice (HMO)

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

  • Télémédecine

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleCentre de santéTélémédecineGap per year
300CHF 458.50CHF 476.80CHF 219.60
500CHF 446.90CHF 465.20CHF 219.60
1'000CHF 417.70CHF 436.00CHF 219.60
1'500CHF 388.50CHF 406.80CHF 219.60
2'000CHF 359.40CHF 377.70CHF 219.60
2'500CHF 330.20CHF 348.50CHF 219.60

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.