Managed Care sans capitation or VIVA – plan de santé — Region 3, Lucerne
Region 3, Lucerne: with sana24, Managed Care sans capitation costs CHF 504.50 a month in 2026 and VIVA – plan de santé CHF 432.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
VIVA – plan de santé is the cheaper of the two here: CHF 870.00 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 and VIVA – plan de santé are both "Group practice (HMO)" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- Managed Care sans capitation
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- VIVA – plan de santé
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
Careful: one of these two models covers only a list of municipalities in this region. Check that yours is on it before choosing.
The price at every deductible
| Deductible | Managed Care sans capitation | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 504.50 | CHF 432.00 | CHF 870.00 |
| 500 | CHF 492.80 | CHF 420.40 | CHF 868.80 |
| 1'000 | CHF 463.70 | CHF 398.00 | CHF 788.40 |
| 1'500 | CHF 434.50 | CHF 368.90 | CHF 787.20 |
| 2'000 | CHF 405.30 | CHF 346.50 | CHF 705.60 |
| 2'500 | CHF 376.20 | CHF 317.40 | CHF 705.60 |
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.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.