Combi Care or Med Direct — Region 3, Lucerne
Region 3, Lucerne: with sana24, Combi Care costs CHF 452.00 a month in 2026 and Med Direct CHF 500.80, 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 585.60 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 452.00 | CHF 500.80 | CHF 585.60 |
| 500 | CHF 440.30 | CHF 489.20 | CHF 586.80 |
| 1'000 | CHF 411.20 | CHF 460.00 | CHF 585.60 |
| 1'500 | CHF 382.00 | CHF 430.80 | CHF 585.60 |
| 2'000 | CHF 352.80 | CHF 401.70 | CHF 586.80 |
| 2'500 | CHF 323.70 | CHF 372.50 | CHF 585.60 |
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 2
- 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.