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Managed Care sans capitation or Tel Doc — Region 2, Lucerne

Region 2, Lucerne: with sana24, Managed Care sans capitation costs CHF 522.30 a month in 2026 and Tel Doc CHF 505.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

Tel Doc is the cheaper of the two here: CHF 196.80 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. Tel Doc is a "Telemedicine and others" model.

  • Managed Care sans capitation

    Group practice (HMO)

    You go to a designated group practice, which coordinates your care.

  • 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

DeductibleManaged Care sans capitationTel DocGap per year
300CHF 522.30CHF 505.90CHF 196.80
500CHF 510.60CHF 494.30CHF 195.60
1'000CHF 481.40CHF 465.10CHF 195.60
1'500CHF 452.30CHF 435.90CHF 196.80
2'000CHF 423.10CHF 406.80CHF 195.60
2'500CHF 393.90CHF 377.60CHF 195.60

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.