PrimaCare or SanaTel — Region 1, Lucerne
Region 1, Lucerne: with Philos, PrimaCare costs CHF 531.50 a month in 2026 and SanaTel CHF 513.70, 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 213.60 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 531.50 | CHF 513.70 | CHF 213.60 |
| 500 | CHF 520.00 | CHF 502.20 | CHF 213.60 |
| 1'000 | CHF 491.00 | CHF 473.20 | CHF 213.60 |
| 1'500 | CHF 461.50 | CHF 443.70 | CHF 213.60 |
| 2'000 | CHF 432.50 | CHF 414.70 | CHF 213.60 |
| 2'500 | CHF 403.50 | CHF 385.70 | CHF 213.60 |
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 2
- 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.