PrimaCare or PrimaFlex — Region 1, Lucerne
Region 1, Lucerne: with Mutuel, PrimaCare costs CHF 583.00 a month in 2026 and PrimaFlex CHF 565.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
PrimaFlex is the cheaper of the two here: CHF 211.20 saved per year against PrimaCare, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
PrimaCare is a "Family doctor" model. PrimaFlex is a "Telemedicine and others" model.
The price at every deductible
| Deductible | PrimaCare | PrimaFlex | Gap per year |
|---|---|---|---|
| 300 | CHF 583.00 | CHF 565.40 | CHF 211.20 |
| 500 | CHF 571.50 | CHF 554.40 | CHF 205.20 |
| 1'000 | CHF 542.50 | CHF 526.90 | CHF 187.20 |
| 1'500 | CHF 513.00 | CHF 498.90 | CHF 169.20 |
| 2'000 | CHF 484.00 | CHF 471.30 | CHF 152.40 |
| 2'500 | CHF 455.00 | CHF 443.80 | CHF 134.40 |
The comparison, region by region
- PrimaCare or PrimaFlex?
- 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 2
- 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.