sana24 Tel Care or VIVA – plan de santé — Region 3, Lucerne
Region 3, Lucerne: with sana24, sana24 Tel Care costs CHF 483.50 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 618.00 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 483.50 | CHF 432.00 | CHF 618.00 |
| 500 | CHF 471.80 | CHF 420.40 | CHF 616.80 |
| 1'000 | CHF 442.70 | CHF 398.00 | CHF 536.40 |
| 1'500 | CHF 413.50 | CHF 368.90 | CHF 535.20 |
| 2'000 | CHF 384.30 | CHF 346.50 | CHF 453.60 |
| 2'500 | CHF 355.20 | CHF 317.40 | CHF 453.60 |
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.