PrimaCare or SanaTel — Region 3, Lucerne
Region 3, Lucerne: with Philos, PrimaCare costs CHF 486.30 a month in 2026 and SanaTel CHF 470.00, 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 195.60 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 486.30 | CHF 470.00 | CHF 195.60 |
| 500 | CHF 474.80 | CHF 458.50 | CHF 195.60 |
| 1'000 | CHF 445.80 | CHF 429.50 | CHF 195.60 |
| 1'500 | CHF 416.30 | CHF 400.00 | CHF 195.60 |
| 2'000 | CHF 387.30 | CHF 371.00 | CHF 195.60 |
| 2'500 | CHF 358.30 | CHF 342.00 | CHF 195.60 |
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 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.