Managed Care sans capitation or Med Direct — Region 2, Lucerne
Region 2, Lucerne: with sana24, Managed Care sans capitation costs CHF 522.30 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.
Med Direct is the cheaper of the two here: CHF 58.80 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
Managed Care sans capitation is a "Group practice (HMO)" model. Med Direct is a "Family doctor" model.
- Managed Care sans capitation
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Managed Care sans capitation | Med Direct | Gap per year |
|---|---|---|---|
| 300 | CHF 522.30 | CHF 517.40 | CHF 58.80 |
| 500 | CHF 510.60 | CHF 505.70 | CHF 58.80 |
| 1'000 | CHF 481.40 | CHF 476.50 | CHF 58.80 |
| 1'500 | CHF 452.30 | CHF 447.40 | CHF 58.80 |
| 2'000 | CHF 423.10 | CHF 418.20 | CHF 58.80 |
| 2'500 | CHF 393.90 | CHF 389.00 | CHF 58.80 |
The comparison, region by region
- Managed Care sans capitation 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.