ÖKK Centre de santé — Region 3, Lucerne
Region 3, Lucerne: the Centre de santé model from ÖKK costs CHF 446.20 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 446.20, Centre de santé is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Centre de santé costs CHF 729.60 less per year than ÖKK's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 446.20 | CHF 415.00 |
| 500 | CHF 434.60 | CHF 404.20 |
| 1'000 | CHF 405.40 | CHF 377.10 |
| 1'500 | CHF 376.20 | CHF 349.90 |
| 2'000 | CHF 347.10 | CHF 322.90 |
| 2'500 | CHF 317.90 | CHF 295.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 334.70 | CHF 311.30 |
| 500 | CHF 323.10 | CHF 300.50 |
| 1'000 | CHF 293.90 | CHF 273.40 |
| 1'500 | CHF 264.70 | CHF 246.20 |
| 2'000 | CHF 235.60 | CHF 219.20 |
| 2'500 | CHF 206.40 | CHF 192.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 98.20 | CHF 91.40 |
| 200 | CHF 86.60 | CHF 80.60 |
| 400 | CHF 74.90 | CHF 69.70 |
| 600 | CHF 63.20 | CHF 58.80 |
The price, region by region
- 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
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.