Médecin de famille 1 or Médecin de famille 4 — Region 2, Lucerne
Region 2, Lucerne: with Sanitas, Médecin de famille 1 costs CHF 443.60 a month in 2026 and Médecin de famille 4 CHF 474.20, 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 367.20 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 443.60 | CHF 474.20 | CHF 367.20 |
| 500 | CHF 432.00 | CHF 462.60 | CHF 367.20 |
| 1'000 | CHF 402.80 | CHF 433.40 | CHF 367.20 |
| 1'500 | CHF 373.60 | CHF 404.20 | CHF 367.20 |
| 2'000 | CHF 344.50 | CHF 375.10 | CHF 367.20 |
| 2'500 | CHF 315.30 | CHF 345.90 | CHF 367.20 |
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 1
- 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.