Managed Care or Med Direct — Region 1, Lucerne
Region 1, Lucerne: with sana24, Managed Care costs CHF 523.90 a month in 2026 and Med Direct CHF 506.40, 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 210.00 saved per year against Managed Care, 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 is a "Group practice (HMO)" model. Med Direct is a "Family doctor" model.
- Managed Care
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 | Med Direct | Gap per year |
|---|---|---|---|
| 300 | CHF 523.90 | CHF 506.40 | CHF 210.00 |
| 500 | CHF 512.20 | CHF 494.80 | CHF 208.80 |
| 1'000 | CHF 483.10 | CHF 465.60 | CHF 210.00 |
| 1'500 | CHF 453.90 | CHF 436.40 | CHF 210.00 |
| 2'000 | CHF 424.70 | CHF 407.30 | CHF 208.80 |
| 2'500 | CHF 395.60 | CHF 378.10 | CHF 210.00 |
The comparison, region by region
- Managed Care or Med Direct?
- Aargau
- Appenzell Ausserrhoden
- Basel-Stadt
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 2
- 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.