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Combi Care or Tel Doc — Region 1, Lucerne

Region 1, Lucerne: with Galenos, Combi Care costs CHF 495.30 a month in 2026 and Tel Doc CHF 530.20, 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 418.80 saved per year against Tel Doc, 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 and Tel Doc are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.

  • Combi Care

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

  • Tel Doc

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleCombi CareTel DocGap per year
300CHF 495.30CHF 530.20CHF 418.80
500CHF 483.70CHF 518.50CHF 417.60
1'000CHF 454.50CHF 489.40CHF 418.80
1'500CHF 425.30CHF 460.20CHF 418.80
2'000CHF 396.20CHF 431.00CHF 417.60
2'500CHF 367.00CHF 401.90CHF 418.80

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.