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Médecin de famille or Télémédecine — Region 1, Lucerne

Region 1, Lucerne: with ÖKK, Médecin de famille costs CHF 492.30 a month in 2026 and Télémédecine CHF 500.60, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

Médecin de famille is the cheaper of the two here: CHF 99.60 saved per year against Télémédecine, for cover identical under the law. What you pay more or less for is the care pathway.

What you accept in each case

Médecin de famille is a "Family doctor" model. Télémédecine is a "Telemedicine and others" model.

  • Médecin de famille

    Family doctor

    You pick a family doctor and always go to them first.

  • Télémédecine

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleMédecin de familleTélémédecineGap per year
300CHF 492.30CHF 500.60CHF 99.60
500CHF 480.70CHF 489.00CHF 99.60
1'000CHF 451.50CHF 459.80CHF 99.60
1'500CHF 422.30CHF 430.60CHF 99.60
2'000CHF 393.20CHF 401.50CHF 99.60
2'500CHF 364.00CHF 372.30CHF 99.60

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.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.