Managed Care or Tel Doc — Region 2, Lucerne
Region 2, Lucerne: with Galenos, Managed Care costs CHF 464.50 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.
Managed Care is the cheaper of the two here: CHF 594.00 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
Managed Care is a "Group practice (HMO)" model. Tel Doc is a "Telemedicine and others" model.
- Managed Care
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- 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
| Deductible | Managed Care | Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 464.50 | CHF 514.00 | CHF 594.00 |
| 500 | CHF 452.80 | CHF 502.40 | CHF 595.20 |
| 1'000 | CHF 423.60 | CHF 473.20 | CHF 595.20 |
| 1'500 | CHF 394.50 | CHF 444.00 | CHF 594.00 |
| 2'000 | CHF 365.30 | CHF 414.90 | CHF 595.20 |
| 2'500 | CHF 336.10 | CHF 385.70 | CHF 595.20 |
The comparison, region by region
- Managed Care or Tel Doc?
- 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.