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Combi Care or Tel Doc — Region 1, Lucerne

Region 1, Lucerne: with sana24, Combi Care costs CHF 484.50 a month in 2026 and Tel Doc CHF 518.30, 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 405.60 saved per year against Tel Doc, 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 and Tel Doc are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.

  • Combi Care

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

  • Tel Doc

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleCombi CareTel DocGap per year
300CHF 484.50CHF 518.30CHF 405.60
500CHF 472.80CHF 506.60CHF 405.60
1'000CHF 443.70CHF 477.40CHF 404.40
1'500CHF 414.50CHF 448.30CHF 405.60
2'000CHF 385.30CHF 419.10CHF 405.60
2'500CHF 356.20CHF 389.90CHF 404.40

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.