Hausmed or TelMed — Region 1, Lucerne
Region 1, Lucerne: with Luzerner Hinterland, Hausmed costs CHF 477.40 a month in 2026 and TelMed CHF 472.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
TelMed is the cheaper of the two here: CHF 60.00 saved per year against Hausmed, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Hausmed is a "Family doctor" model. TelMed is a "Telemedicine and others" model.
The price at every deductible
| Deductible | Hausmed | TelMed | Gap per year |
|---|---|---|---|
| 300 | CHF 477.40 | CHF 472.40 | CHF 60.00 |
| 500 | CHF 465.75 | CHF 460.75 | CHF 60.00 |
| 1'000 | CHF 436.60 | CHF 431.55 | CHF 60.60 |
| 1'500 | CHF 407.40 | CHF 402.40 | CHF 60.00 |
| 2'000 | CHF 378.25 | CHF 373.25 | CHF 60.00 |
| 2'500 | CHF 349.10 | CHF 344.05 | CHF 60.60 |
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.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.