Combi Care or Managed Care — Region 1, Lucerne
Region 1, Lucerne: with Galenos, Combi Care costs CHF 495.30 a month in 2026 and Managed Care CHF 511.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Combi Care is the cheaper of the two here: CHF 199.20 saved per year against Managed Care, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Combi Care is a "Telemedicine and others" model. Managed Care is a "Group practice (HMO)" model.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Managed Care
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The price at every deductible
| Deductible | Combi Care | Managed Care | Gap per year |
|---|---|---|---|
| 300 | CHF 495.30 | CHF 511.90 | CHF 199.20 |
| 500 | CHF 483.70 | CHF 500.20 | CHF 198.00 |
| 1'000 | CHF 454.50 | CHF 471.00 | CHF 198.00 |
| 1'500 | CHF 425.30 | CHF 441.90 | CHF 199.20 |
| 2'000 | CHF 396.20 | CHF 412.70 | CHF 198.00 |
| 2'500 | CHF 367.00 | CHF 383.50 | CHF 198.00 |
The comparison, region by region
- Combi Care or Managed Care?
- 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.