Médecin de famille or Télémédecine — Region 2, Lucerne
Region 2, Lucerne: with ÖKK, Médecin de famille costs CHF 468.90 a month in 2026 and Télémédecine CHF 476.80, 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 94.80 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
| Deductible | Médecin de famille | Télémédecine | Gap per year |
|---|---|---|---|
| 300 | CHF 468.90 | CHF 476.80 | CHF 94.80 |
| 500 | CHF 457.30 | CHF 465.20 | CHF 94.80 |
| 1'000 | CHF 428.10 | CHF 436.00 | CHF 94.80 |
| 1'500 | CHF 398.90 | CHF 406.80 | CHF 94.80 |
| 2'000 | CHF 369.80 | CHF 377.70 | CHF 94.80 |
| 2'500 | CHF 340.60 | CHF 348.50 | CHF 94.80 |
The comparison, region by region
- Médecin de famille or Télémédecine?
- 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.