PrimaCare or PrimaFlex — Region 2, Lucerne
Region 2, Lucerne: with Avenir, PrimaCare costs CHF 480.50 a month in 2026 and PrimaFlex CHF 469.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
PrimaFlex is the cheaper of the two here: CHF 128.40 saved per year against PrimaCare, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
PrimaCare is a "Family doctor" model. PrimaFlex is a "Telemedicine and others" model.
The price at every deductible
| Deductible | PrimaCare | PrimaFlex | Gap per year |
|---|---|---|---|
| 300 | CHF 480.50 | CHF 469.80 | CHF 128.40 |
| 500 | CHF 469.00 | CHF 458.80 | CHF 122.40 |
| 1'000 | CHF 440.00 | CHF 431.30 | CHF 104.40 |
| 1'500 | CHF 410.50 | CHF 403.30 | CHF 86.40 |
| 2'000 | CHF 381.50 | CHF 375.70 | CHF 69.60 |
| 2'500 | CHF 352.50 | CHF 348.20 | CHF 51.60 |
The comparison, region by region
- PrimaCare or PrimaFlex?
- 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 3
- 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.