sana24 Tel Care or VIVA – plan de santé — Region 2, Lucerne
Region 2, Lucerne: with sana24, sana24 Tel Care costs CHF 500.50 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 664.80 saved per year against sana24 Tel Care, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
sana24 Tel Care is a "Telemedicine and others" model. VIVA – plan de santé is a "Group practice (HMO)" model.
- sana24 Tel Care
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 Tel Care | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 500.50 | CHF 445.10 | CHF 664.80 |
| 500 | CHF 488.80 | CHF 433.40 | CHF 664.80 |
| 1'000 | CHF 459.70 | CHF 413.50 | CHF 554.40 |
| 1'500 | CHF 430.50 | CHF 384.30 | CHF 554.40 |
| 2'000 | CHF 401.30 | CHF 364.40 | CHF 442.80 |
| 2'500 | CHF 372.20 | CHF 335.20 | CHF 444.00 |
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.