Callmed or Gesundheitspraxisversicherung — Region 1, Lucerne
Region 1, Lucerne: with CSS, Callmed costs CHF 518.90 a month in 2026 and Gesundheitspraxisversicherung CHF 473.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Gesundheitspraxisversicherung is the cheaper of the two here: CHF 541.20 saved per year against Callmed, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Callmed is a "Telemedicine and others" model. Gesundheitspraxisversicherung is a "Family doctor" model.
- Callmed
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Gesundheitspraxisversicherung
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Callmed | Gesundheitspraxisversicherung | Gap per year |
|---|---|---|---|
| 300 | CHF 518.90 | CHF 473.80 | CHF 541.20 |
| 500 | CHF 507.30 | CHF 462.20 | CHF 541.20 |
| 1'000 | CHF 478.10 | CHF 433.00 | CHF 541.20 |
| 1'500 | CHF 448.90 | CHF 403.80 | CHF 541.20 |
| 2'000 | CHF 419.80 | CHF 374.70 | CHF 541.20 |
| 2'500 | CHF 394.60 | CHF 345.50 | CHF 589.20 |
The comparison, region by region
- Callmed or Gesundheitspraxisversicherung?
- 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.