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Médecin de famille 1 or TelMed (Compact One) — Region 3, Lucerne

Region 3, Lucerne: with Sanitas, Médecin de famille 1 costs CHF 429.50 a month in 2026 and TelMed (Compact One) CHF 444.40, 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 178.80 saved per year against TelMed (Compact One), 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. TelMed (Compact One) is a "Telemedicine and others" model.

  • Médecin de famille 1

    Family doctor

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

  • TelMed (Compact One)

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleMédecin de famille 1TelMed (Compact One)Gap per year
300CHF 429.50CHF 444.40CHF 178.80
500CHF 417.90CHF 432.80CHF 178.80
1'000CHF 388.70CHF 403.60CHF 178.80
1'500CHF 359.50CHF 374.40CHF 178.80
2'000CHF 330.40CHF 345.30CHF 178.80
2'500CHF 301.20CHF 316.10CHF 178.80

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.