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Combi Care or Tel Doc — Region 2, Lucerne

Region 2, Lucerne: with Galenos, Combi Care costs CHF 480.60 a month in 2026 and Tel Doc CHF 514.00, 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 400.80 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 480.60CHF 514.00CHF 400.80
500CHF 469.00CHF 502.40CHF 400.80
1'000CHF 439.80CHF 473.20CHF 400.80
1'500CHF 410.60CHF 444.00CHF 400.80
2'000CHF 381.50CHF 414.90CHF 400.80
2'500CHF 352.30CHF 385.70CHF 400.80

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.