Med Direct or sana24 Tel Care — Region 2, Lucerne
Region 2, Lucerne: with sana24, Med Direct costs CHF 517.40 a month in 2026 and sana24 Tel Care CHF 500.50, 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 202.80 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
Med Direct is a "Family doctor" model. sana24 Tel Care is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- 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 | Med Direct | sana24 Tel Care | Gap per year |
|---|---|---|---|
| 300 | CHF 517.40 | CHF 500.50 | CHF 202.80 |
| 500 | CHF 505.70 | CHF 488.80 | CHF 202.80 |
| 1'000 | CHF 476.50 | CHF 459.70 | CHF 201.60 |
| 1'500 | CHF 447.40 | CHF 430.50 | CHF 202.80 |
| 2'000 | CHF 418.20 | CHF 401.30 | CHF 202.80 |
| 2'500 | CHF 389.00 | CHF 372.20 | CHF 201.60 |
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.