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Médecin de famille 1 or MultiAccess — Region 1, Lucerne

Region 1, Lucerne: with Sanitas, Médecin de famille 1 costs CHF 461.60 a month in 2026 and MultiAccess CHF 482.90, 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 255.60 saved per year against MultiAccess, 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 is a "Family doctor" model. MultiAccess is a "Group practice (HMO)" model.

  • Médecin de famille 1

    Family doctor

    You pick a family doctor and always go to them first.

  • MultiAccess

    Group practice (HMO)

    You go to a designated group practice, which coordinates your care.

The price at every deductible

DeductibleMédecin de famille 1MultiAccessGap per year
300CHF 461.60CHF 482.90CHF 255.60
500CHF 450.00CHF 471.30CHF 255.60
1'000CHF 420.80CHF 442.10CHF 255.60
1'500CHF 391.60CHF 412.90CHF 255.60
2'000CHF 362.50CHF 383.80CHF 255.60
2'500CHF 333.30CHF 354.60CHF 255.60

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.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.