PrimaFlex or SanaTel — Region 3, Lucerne
Region 3, Lucerne: with Philos, PrimaFlex costs CHF 467.30 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.
PrimaFlex is the cheaper of the two here: CHF 32.40 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 467.30 | CHF 470.00 | CHF 32.40 |
| 500 | CHF 456.30 | CHF 458.50 | CHF 26.40 |
| 1'000 | CHF 428.80 | CHF 429.50 | CHF 8.40 |
| 1'500 | CHF 400.80 | CHF 400.00 | CHF 9.60 |
| 2'000 | CHF 373.20 | CHF 371.00 | CHF 26.40 |
| 2'500 | CHF 345.70 | CHF 342.00 | CHF 44.40 |
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 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.