Combi Care or Managed Care sans capitation — Region 1, Lucerne
Region 1, Lucerne: with sana24, Combi Care costs CHF 484.50 a month in 2026 and Managed Care sans capitation CHF 540.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Combi Care is the cheaper of the two here: CHF 675.60 saved per year against Managed Care sans capitation, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Combi Care is a "Telemedicine and others" model. Managed Care sans capitation is a "Group practice (HMO)" model.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Managed Care sans capitation
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The price at every deductible
| Deductible | Combi Care | Managed Care sans capitation | Gap per year |
|---|---|---|---|
| 300 | CHF 484.50 | CHF 540.80 | CHF 675.60 |
| 500 | CHF 472.80 | CHF 529.10 | CHF 675.60 |
| 1'000 | CHF 443.70 | CHF 500.00 | CHF 675.60 |
| 1'500 | CHF 414.50 | CHF 470.80 | CHF 675.60 |
| 2'000 | CHF 385.30 | CHF 441.60 | CHF 675.60 |
| 2'500 | CHF 356.20 | CHF 412.50 | CHF 675.60 |
The comparison, region by region
- Combi Care or Managed Care sans capitation?
- 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.