FlexCare or HMO — Region 1, Lucerne

Region 1, Lucerne: with Atupri, FlexCare costs CHF 477.80 a month in 2026 and HMO CHF 451.60, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

HMO is the cheaper of the two here: CHF 314.40 saved per year against FlexCare, for cover identical under the law. What you pay more or less for is the care pathway.

What you accept in each case

FlexCare is a "Telemedicine and others" model. HMO is a "Group practice (HMO)" model.

FlexCare
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
HMO
Group practice (HMO)
You go to a designated group practice, which coordinates your care.

The price at every deductible

Deductible	FlexCare	HMO	Gap per year
300	CHF 477.80	CHF 451.60	CHF 314.40
500	CHF 466.20	CHF 440.00	CHF 314.40
1'000	CHF 437.00	CHF 410.80	CHF 314.40
1'500	CHF 407.80	CHF 381.60	CHF 314.40
2'000	CHF 378.70	CHF 352.50	CHF 314.40
2'500	CHF 349.50	CHF 323.30	CHF 314.40

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.