Managed Care or Tel Doc — Region 3, Lucerne
Region 3, Lucerne: with sana24, Managed Care costs CHF 488.70 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.
Here Managed Care and Tel Doc cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
What you accept in each case
Managed Care is a "Group practice (HMO)" model. Tel Doc is a "Telemedicine and others" model.
- Managed Care
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
| Deductible | Managed Care | Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 488.70 | CHF 488.70 | — |
| 500 | CHF 477.10 | CHF 477.10 | — |
| 1'000 | CHF 447.90 | CHF 447.90 | — |
| 1'500 | CHF 418.70 | CHF 418.70 | — |
| 2'000 | CHF 389.60 | CHF 389.60 | — |
| 2'500 | CHF 360.40 | CHF 360.40 | — |
The comparison, region by region
- Managed Care or Tel Doc?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.