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Managed Care sans capitation or Tel Doc — Region 3, Lucerne

Region 3, Lucerne: with sana24, Managed Care sans capitation costs CHF 504.50 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.

Tel Doc is the cheaper of the two here: CHF 189.60 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. 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 504.50CHF 488.70CHF 189.60
500CHF 492.80CHF 477.10CHF 188.40
1'000CHF 463.70CHF 447.90CHF 189.60
1'500CHF 434.50CHF 418.70CHF 189.60
2'000CHF 405.30CHF 389.60CHF 188.40
2'500CHF 376.20CHF 360.40CHF 189.60

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.