Tel Doc or VIVA – plan de santé — Region 3, Lucerne
Region 3, Lucerne: with sana24, Tel Doc costs CHF 488.70 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 680.40 saved per year against Tel Doc, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Tel Doc is a "Telemedicine and others" model. VIVA – plan de santé is a "Group practice (HMO)" model.
- Tel Doc
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 | Tel Doc | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 488.70 | CHF 432.00 | CHF 680.40 |
| 500 | CHF 477.10 | CHF 420.40 | CHF 680.40 |
| 1'000 | CHF 447.90 | CHF 398.00 | CHF 598.80 |
| 1'500 | CHF 418.70 | CHF 368.90 | CHF 597.60 |
| 2'000 | CHF 389.60 | CHF 346.50 | CHF 517.20 |
| 2'500 | CHF 360.40 | CHF 317.40 | CHF 516.00 |
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.