Médecin de famille 1 or Médecin de famille 4 — Region 1, Lucerne
Region 1, Lucerne: with Sanitas, Médecin de famille 1 costs CHF 461.60 a month in 2026 and Médecin de famille 4 CHF 493.45, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Médecin de famille 1 is the cheaper of the two here: CHF 382.20 saved per year against Médecin de famille 4, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Médecin de famille 1 and Médecin de famille 4 are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- Médecin de famille 1
Family doctor
You pick a family doctor and always go to them first.
- Médecin de famille 4
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Médecin de famille 1 | Médecin de famille 4 | Gap per year |
|---|---|---|---|
| 300 | CHF 461.60 | CHF 493.45 | CHF 382.20 |
| 500 | CHF 450.00 | CHF 481.85 | CHF 382.20 |
| 1'000 | CHF 420.80 | CHF 452.65 | CHF 382.20 |
| 1'500 | CHF 391.60 | CHF 423.45 | CHF 382.20 |
| 2'000 | CHF 362.50 | CHF 394.35 | CHF 382.20 |
| 2'500 | CHF 333.30 | CHF 365.15 | CHF 382.20 |
The comparison, region by region
- Médecin de famille 1 or Médecin de famille 4?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.