Combi Care or Med Direct — Region 2, Lucerne
Region 2, Lucerne: with sana24, Combi Care costs CHF 467.90 a month in 2026 and Med Direct CHF 517.40, 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 594.00 saved per year against Med Direct, 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. Med Direct is a "Family doctor" model.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Combi Care | Med Direct | Gap per year |
|---|---|---|---|
| 300 | CHF 467.90 | CHF 517.40 | CHF 594.00 |
| 500 | CHF 456.20 | CHF 505.70 | CHF 594.00 |
| 1'000 | CHF 427.10 | CHF 476.50 | CHF 592.80 |
| 1'500 | CHF 397.90 | CHF 447.40 | CHF 594.00 |
| 2'000 | CHF 368.70 | CHF 418.20 | CHF 594.00 |
| 2'500 | CHF 339.60 | CHF 389.00 | CHF 592.80 |
The comparison, region by region
- Combi Care or Med Direct?
- Aargau
- Appenzell Ausserrhoden
- Basel-Stadt
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 3
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.