PrimaCare or SanaTel — Region 3, Lucerne
Region 3, Lucerne: with Avenir, PrimaCare costs CHF 470.50 a month in 2026 and SanaTel CHF 446.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
SanaTel is the cheaper of the two here: CHF 283.20 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. SanaTel is a "Telemedicine and others" model.
The price at every deductible
| Deductible | PrimaCare | SanaTel | Gap per year |
|---|---|---|---|
| 300 | CHF 470.50 | CHF 446.90 | CHF 283.20 |
| 500 | CHF 459.00 | CHF 435.40 | CHF 283.20 |
| 1'000 | CHF 430.00 | CHF 406.40 | CHF 283.20 |
| 1'500 | CHF 400.50 | CHF 376.90 | CHF 283.20 |
| 2'000 | CHF 371.50 | CHF 347.90 | CHF 283.20 |
| 2'500 | CHF 342.50 | CHF 318.90 | CHF 283.20 |
The comparison, region by region
- PrimaCare or SanaTel?
- 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.