Callmed or Gesundheitspraxisversicherung — Region 3, Lucerne
Region 3, Lucerne: with CSS, Callmed costs CHF 458.80 a month in 2026 and Gesundheitspraxisversicherung CHF 441.10, 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 212.40 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 458.80 | CHF 441.10 | CHF 212.40 |
| 500 | CHF 447.20 | CHF 429.50 | CHF 212.40 |
| 1'000 | CHF 418.00 | CHF 400.30 | CHF 212.40 |
| 1'500 | CHF 388.80 | CHF 371.10 | CHF 212.40 |
| 2'000 | CHF 359.70 | CHF 342.00 | CHF 212.40 |
| 2'500 | CHF 342.50 | CHF 316.80 | CHF 308.40 |
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 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.