Callmed or Multimed — Region 3, Lucerne
Region 3, Lucerne: with CSS, Callmed costs CHF 458.80 a month in 2026 and Multimed CHF 443.60, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Multimed is the cheaper of the two here: CHF 182.40 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. Multimed is a "Family doctor" model.
The price at every deductible
| Deductible | Callmed | Multimed | Gap per year |
|---|---|---|---|
| 300 | CHF 458.80 | CHF 443.60 | CHF 182.40 |
| 500 | CHF 447.20 | CHF 432.00 | CHF 182.40 |
| 1'000 | CHF 418.00 | CHF 410.80 | CHF 86.40 |
| 1'500 | CHF 388.80 | CHF 381.60 | CHF 86.40 |
| 2'000 | CHF 359.70 | CHF 352.50 | CHF 86.40 |
| 2'500 | CHF 342.50 | CHF 340.30 | CHF 26.40 |
The comparison, region by region
- Callmed or Multimed?
- 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.