PrimaCare or SanaTel — Region 2, Lucerne
Region 2, Lucerne: with Mutuel, PrimaCare costs CHF 548.00 a month in 2026 and SanaTel CHF 526.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
SanaTel is the cheaper of the two here: CHF 253.20 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. SanaTel is a "Telemedicine and others" model.
The price at every deductible
| Deductible | PrimaCare | SanaTel | Gap per year |
|---|---|---|---|
| 300 | CHF 548.00 | CHF 526.90 | CHF 253.20 |
| 500 | CHF 536.50 | CHF 515.40 | CHF 253.20 |
| 1'000 | CHF 507.50 | CHF 486.40 | CHF 253.20 |
| 1'500 | CHF 478.00 | CHF 456.90 | CHF 253.20 |
| 2'000 | CHF 449.00 | CHF 427.90 | CHF 253.20 |
| 2'500 | CHF 420.00 | CHF 398.90 | CHF 253.20 |
The comparison, region by region
- PrimaCare or SanaTel?
- 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.