Med Direct or VIVA – plan de santé — Region 3, Lucerne
Region 3, Lucerne: with sana24, Med Direct costs CHF 500.80 a month in 2026 and VIVA – plan de santé CHF 432.00, 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 825.60 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 500.80 | CHF 432.00 | CHF 825.60 |
| 500 | CHF 489.20 | CHF 420.40 | CHF 825.60 |
| 1'000 | CHF 460.00 | CHF 398.00 | CHF 744.00 |
| 1'500 | CHF 430.80 | CHF 368.90 | CHF 742.80 |
| 2'000 | CHF 401.70 | CHF 346.50 | CHF 662.40 |
| 2'500 | CHF 372.50 | CHF 317.40 | CHF 661.20 |
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.