PrimaFlex or SanaTel — Region 1, Lucerne
Region 1, Lucerne: with Philos, PrimaFlex costs CHF 510.70 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.
PrimaFlex is the cheaper of the two here: CHF 36.00 saved per year against SanaTel, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
PrimaFlex and SanaTel are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
The price at every deductible
| Deductible | PrimaFlex | SanaTel | Gap per year |
|---|---|---|---|
| 300 | CHF 510.70 | CHF 513.70 | CHF 36.00 |
| 500 | CHF 499.70 | CHF 502.20 | CHF 30.00 |
| 1'000 | CHF 472.20 | CHF 473.20 | CHF 12.00 |
| 1'500 | CHF 444.20 | CHF 443.70 | CHF 6.00 |
| 2'000 | CHF 416.60 | CHF 414.70 | CHF 22.80 |
| 2'500 | CHF 389.10 | CHF 385.70 | CHF 40.80 |
The comparison, region by region
- PrimaFlex 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.