Med Direct or VIVA – plan de santé — Region 2, Lucerne
Region 2, Lucerne: with sana24, Med Direct costs CHF 517.40 a month in 2026 and VIVA – plan de santé CHF 445.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
VIVA – plan de santé is the cheaper of the two here: CHF 867.60 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. VIVA – plan de santé is a "Group practice (HMO)" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- VIVA – plan de santé
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
Careful: one of these two models covers only a list of municipalities in this region. Check that yours is on it before choosing.
The price at every deductible
| Deductible | Med Direct | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 517.40 | CHF 445.10 | CHF 867.60 |
| 500 | CHF 505.70 | CHF 433.40 | CHF 867.60 |
| 1'000 | CHF 476.50 | CHF 413.50 | CHF 756.00 |
| 1'500 | CHF 447.40 | CHF 384.30 | CHF 757.20 |
| 2'000 | CHF 418.20 | CHF 364.40 | CHF 645.60 |
| 2'500 | CHF 389.00 | CHF 335.20 | CHF 645.60 |
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.