Combi Care or Managed Care sans capitation — Region 3, Lucerne
Region 3, Lucerne: with sana24, Combi Care costs CHF 452.00 a month in 2026 and Managed Care sans capitation CHF 504.50, 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 630.00 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 452.00 | CHF 504.50 | CHF 630.00 |
| 500 | CHF 440.30 | CHF 492.80 | CHF 630.00 |
| 1'000 | CHF 411.20 | CHF 463.70 | CHF 630.00 |
| 1'500 | CHF 382.00 | CHF 434.50 | CHF 630.00 |
| 2'000 | CHF 352.80 | CHF 405.30 | CHF 630.00 |
| 2'500 | CHF 323.70 | CHF 376.20 | CHF 630.00 |
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 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.