CareMed or TelFirst — Region 3, Lucerne
Region 3, Lucerne: with Atupri, CareMed costs CHF 450.10 a month in 2026 and TelFirst CHF 456.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
CareMed is the cheaper of the two here: CHF 70.80 saved per year against TelFirst, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
CareMed is a "Family doctor" model. TelFirst is a "Telemedicine and others" model.
The price at every deductible
| Deductible | CareMed | TelFirst | Gap per year |
|---|---|---|---|
| 300 | CHF 450.10 | CHF 456.00 | CHF 70.80 |
| 500 | CHF 438.50 | CHF 444.40 | CHF 70.80 |
| 1'000 | CHF 409.30 | CHF 415.20 | CHF 70.80 |
| 1'500 | CHF 380.10 | CHF 386.00 | CHF 70.80 |
| 2'000 | CHF 351.00 | CHF 356.90 | CHF 70.80 |
| 2'500 | CHF 321.80 | CHF 327.70 | CHF 70.80 |
The comparison, region by region
- CareMed or TelFirst?
- 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.