PrimaFlex or SanaTel — Region 1, Lucerne
Region 1, Lucerne: with Avenir, PrimaFlex costs CHF 489.30 a month in 2026 and SanaTel CHF 475.40, 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 166.80 saved per year against PrimaFlex, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
PrimaFlex and SanaTel are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
The price at every deductible
| Deductible | PrimaFlex | SanaTel | Gap per year |
|---|---|---|---|
| 300 | CHF 489.30 | CHF 475.40 | CHF 166.80 |
| 500 | CHF 478.30 | CHF 463.90 | CHF 172.80 |
| 1'000 | CHF 450.80 | CHF 434.90 | CHF 190.80 |
| 1'500 | CHF 422.80 | CHF 405.40 | CHF 208.80 |
| 2'000 | CHF 395.20 | CHF 376.40 | CHF 225.60 |
| 2'500 | CHF 367.70 | CHF 347.40 | CHF 243.60 |
The comparison, region by region
- PrimaFlex 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 2
- 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.