Med Direct or Tel Doc — Region 1, Lucerne
Region 1, Lucerne: with sana24, Med Direct costs CHF 506.40 a month in 2026 and Tel Doc CHF 518.30, 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 142.80 saved per year against Tel Doc, 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. Tel Doc is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- 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 | Med Direct | Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 506.40 | CHF 518.30 | CHF 142.80 |
| 500 | CHF 494.80 | CHF 506.60 | CHF 141.60 |
| 1'000 | CHF 465.60 | CHF 477.40 | CHF 141.60 |
| 1'500 | CHF 436.40 | CHF 448.30 | CHF 142.80 |
| 2'000 | CHF 407.30 | CHF 419.10 | CHF 141.60 |
| 2'500 | CHF 378.10 | CHF 389.90 | CHF 141.60 |
The comparison, region by region
- Med Direct or Tel Doc?
- Aargau
- Appenzell Ausserrhoden
- Basel-Stadt
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 2
- 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.