Managed Care sans capitation or sana24 Tel Care — Region 2, Lucerne
Region 2, Lucerne: with sana24, Managed Care sans capitation costs CHF 522.30 a month in 2026 and sana24 Tel Care CHF 500.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
sana24 Tel Care is the cheaper of the two here: CHF 261.60 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. sana24 Tel Care is a "Telemedicine and others" model.
- Managed Care sans capitation
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- sana24 Tel Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | Managed Care sans capitation | sana24 Tel Care | Gap per year |
|---|---|---|---|
| 300 | CHF 522.30 | CHF 500.50 | CHF 261.60 |
| 500 | CHF 510.60 | CHF 488.80 | CHF 261.60 |
| 1'000 | CHF 481.40 | CHF 459.70 | CHF 260.40 |
| 1'500 | CHF 452.30 | CHF 430.50 | CHF 261.60 |
| 2'000 | CHF 423.10 | CHF 401.30 | CHF 261.60 |
| 2'500 | CHF 393.90 | CHF 372.20 | CHF 260.40 |
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.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.