Managed Care or sana24 Tel Care — Region 1, Lucerne
Region 1, Lucerne: with sana24, Managed Care costs CHF 523.90 a month in 2026 and sana24 Tel Care CHF 512.60, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
sana24 Tel Care is the cheaper of the two here: CHF 135.60 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. sana24 Tel Care is a "Telemedicine and others" model.
- Managed Care
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- sana24 Tel Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | Managed Care | sana24 Tel Care | Gap per year |
|---|---|---|---|
| 300 | CHF 523.90 | CHF 512.60 | CHF 135.60 |
| 500 | CHF 512.20 | CHF 501.00 | CHF 134.40 |
| 1'000 | CHF 483.10 | CHF 471.80 | CHF 135.60 |
| 1'500 | CHF 453.90 | CHF 442.60 | CHF 135.60 |
| 2'000 | CHF 424.70 | CHF 413.50 | CHF 134.40 |
| 2'500 | CHF 395.60 | CHF 384.30 | CHF 135.60 |
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.