PrimaFlex or SanaTel — Region 3, Lucerne
Region 3, Lucerne: with Mutuel, PrimaFlex costs CHF 525.80 a month in 2026 and SanaTel CHF 521.30, 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 54.00 saved per year against PrimaFlex, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
PrimaFlex and SanaTel are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
The price at every deductible
| Deductible | PrimaFlex | SanaTel | Gap per year |
|---|---|---|---|
| 300 | CHF 525.80 | CHF 521.30 | CHF 54.00 |
| 500 | CHF 514.80 | CHF 509.80 | CHF 60.00 |
| 1'000 | CHF 487.30 | CHF 480.80 | CHF 78.00 |
| 1'500 | CHF 459.30 | CHF 451.30 | CHF 96.00 |
| 2'000 | CHF 431.70 | CHF 422.30 | CHF 112.80 |
| 2'500 | CHF 404.20 | CHF 393.30 | CHF 130.80 |
The comparison, region by region
- PrimaFlex 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 2
- 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.