sana24 Med Call or VIVA – plan de santé — Region 2, Lucerne
Region 2, Lucerne: with sana24, sana24 Med Call costs CHF 538.60 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 1'122.00 saved per year against sana24 Med Call, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
sana24 Med Call is a "Telemedicine and others" model. VIVA – plan de santé is a "Group practice (HMO)" model.
- sana24 Med Call
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- 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 | sana24 Med Call | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 538.60 | CHF 445.10 | CHF 1'122.00 |
| 500 | CHF 526.90 | CHF 433.40 | CHF 1'122.00 |
| 1'000 | CHF 497.70 | CHF 413.50 | CHF 1'010.40 |
| 1'500 | CHF 468.60 | CHF 384.30 | CHF 1'011.60 |
| 2'000 | CHF 439.40 | CHF 364.40 | CHF 900.00 |
| 2'500 | CHF 410.20 | CHF 335.20 | CHF 900.00 |
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.