Médecin de famille or Télémédecine — Region 3, Lucerne
Region 3, Lucerne: with ÖKK, Médecin de famille costs CHF 456.30 a month in 2026 and Télémédecine CHF 464.00, 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 92.40 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 456.30 | CHF 464.00 | CHF 92.40 |
| 500 | CHF 444.70 | CHF 452.40 | CHF 92.40 |
| 1'000 | CHF 415.50 | CHF 423.20 | CHF 92.40 |
| 1'500 | CHF 386.30 | CHF 394.00 | CHF 92.40 |
| 2'000 | CHF 357.20 | CHF 364.90 | CHF 92.40 |
| 2'500 | CHF 328.00 | CHF 335.70 | CHF 92.40 |
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 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.