Med Direct or Tel Doc — Region 3, Lucerne
Region 3, Lucerne: with sana24, Med Direct costs CHF 500.80 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.
Tel Doc is the cheaper of the two here: CHF 145.20 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. 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 500.80 | CHF 488.70 | CHF 145.20 |
| 500 | CHF 489.20 | CHF 477.10 | CHF 145.20 |
| 1'000 | CHF 460.00 | CHF 447.90 | CHF 145.20 |
| 1'500 | CHF 430.80 | CHF 418.70 | CHF 145.20 |
| 2'000 | CHF 401.70 | CHF 389.60 | CHF 145.20 |
| 2'500 | CHF 372.50 | CHF 360.40 | CHF 145.20 |
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 1
- Lucerne — Region 2
- 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.