Managed Care or Med Direct — Region 3, Lucerne
Region 3, Lucerne: with sana24, Managed Care costs CHF 488.70 a month in 2026 and Med Direct CHF 500.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Managed Care is the cheaper of the two here: CHF 145.20 saved per year against Med Direct, 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 488.70 | CHF 500.80 | CHF 145.20 |
| 500 | CHF 477.10 | CHF 489.20 | CHF 145.20 |
| 1'000 | CHF 447.90 | CHF 460.00 | CHF 145.20 |
| 1'500 | CHF 418.70 | CHF 430.80 | CHF 145.20 |
| 2'000 | CHF 389.60 | CHF 401.70 | CHF 145.20 |
| 2'500 | CHF 360.40 | CHF 372.50 | CHF 145.20 |
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 1
- Lucerne — Region 2
- 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.