Hausmed or TelMed — Region 3, Lucerne
Region 3, Lucerne: with Luzerner Hinterland, Hausmed costs CHF 430.15 a month in 2026 and TelMed CHF 425.65, 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 54.00 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 430.15 | CHF 425.65 | CHF 54.00 |
| 500 | CHF 418.50 | CHF 413.95 | CHF 54.60 |
| 1'000 | CHF 389.35 | CHF 384.80 | CHF 54.60 |
| 1'500 | CHF 360.15 | CHF 355.65 | CHF 54.00 |
| 2'000 | CHF 331.00 | CHF 326.45 | CHF 54.60 |
| 2'500 | CHF 301.85 | CHF 297.30 | CHF 54.60 |
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.