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Combi Care or Tel Doc — Region 3, Lucerne

Region 3, Lucerne: with sana24, Combi Care costs CHF 452.00 a month in 2026 and Tel Doc CHF 488.70, 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 440.40 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 452.00CHF 488.70CHF 440.40
500CHF 440.30CHF 477.10CHF 441.60
1'000CHF 411.20CHF 447.90CHF 440.40
1'500CHF 382.00CHF 418.70CHF 440.40
2'000CHF 352.80CHF 389.60CHF 441.60
2'500CHF 323.70CHF 360.40CHF 440.40

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.