PrimaCare or SanaTel — Region 2, Lucerne
Region 2, Lucerne: with Philos, PrimaCare costs CHF 504.90 a month in 2026 and SanaTel CHF 488.00, 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 202.80 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 504.90 | CHF 488.00 | CHF 202.80 |
| 500 | CHF 493.40 | CHF 476.50 | CHF 202.80 |
| 1'000 | CHF 464.40 | CHF 447.50 | CHF 202.80 |
| 1'500 | CHF 434.90 | CHF 418.00 | CHF 202.80 |
| 2'000 | CHF 405.90 | CHF 389.00 | CHF 202.80 |
| 2'500 | CHF 376.90 | CHF 360.00 | CHF 202.80 |
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 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.