Skip to content
Sophie

Centre de santé or Télémédecine — Region 3, Lucerne

Region 3, Lucerne: with ÖKK, Centre de santé costs CHF 446.20 a month in 2026 and Télémédecine CHF 464.00, 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 213.60 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 446.20CHF 464.00CHF 213.60
500CHF 434.60CHF 452.40CHF 213.60
1'000CHF 405.40CHF 423.20CHF 213.60
1'500CHF 376.20CHF 394.00CHF 213.60
2'000CHF 347.10CHF 364.90CHF 213.60
2'500CHF 317.90CHF 335.70CHF 213.60

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.