Med Direct or sana24 Med Call — Region 2, Lucerne
Region 2, Lucerne: with sana24, Med Direct costs CHF 517.40 a month in 2026 and sana24 Med Call CHF 538.60, 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 254.40 saved per year against sana24 Med Call, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Med Direct is a "Family doctor" model. sana24 Med Call is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- sana24 Med Call
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 | Med Direct | sana24 Med Call | Gap per year |
|---|---|---|---|
| 300 | CHF 517.40 | CHF 538.60 | CHF 254.40 |
| 500 | CHF 505.70 | CHF 526.90 | CHF 254.40 |
| 1'000 | CHF 476.50 | CHF 497.70 | CHF 254.40 |
| 1'500 | CHF 447.40 | CHF 468.60 | CHF 254.40 |
| 2'000 | CHF 418.20 | CHF 439.40 | CHF 254.40 |
| 2'500 | CHF 389.00 | CHF 410.20 | CHF 254.40 |
The comparison, region by region
- Med Direct or sana24 Med Call?
- Aargau
- Appenzell Ausserrhoden
- Basel-Stadt
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- 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.