Callmed or Hausarztversicherung Profit — Region 2, Lucerne
Region 2, Lucerne: with CSS, Callmed costs CHF 478.70 a month in 2026 and Hausarztversicherung Profit CHF 465.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Hausarztversicherung Profit is the cheaper of the two here: CHF 158.40 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. Hausarztversicherung Profit 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.
- Hausarztversicherung Profit
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Callmed | Hausarztversicherung Profit | Gap per year |
|---|---|---|---|
| 300 | CHF 478.70 | CHF 465.50 | CHF 158.40 |
| 500 | CHF 467.10 | CHF 453.90 | CHF 158.40 |
| 1'000 | CHF 437.90 | CHF 424.70 | CHF 158.40 |
| 1'500 | CHF 408.70 | CHF 395.50 | CHF 158.40 |
| 2'000 | CHF 379.60 | CHF 366.40 | CHF 158.40 |
| 2'500 | CHF 362.40 | CHF 341.20 | CHF 254.40 |
The comparison, region by region
- Callmed or Hausarztversicherung Profit?
- 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.