Sanitas Médecin de famille 1 — Region 1, Lucerne
Region 1, Lucerne: the Médecin de famille 1 model from Sanitas costs CHF 461.60 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 461.60, Médecin de famille 1 is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Médecin de famille 1 costs CHF 828.00 less per year than Sanitas's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 461.60 | CHF 429.75 |
| 500 | CHF 450.00 | CHF 418.95 |
| 1'000 | CHF 420.80 | CHF 391.75 |
| 1'500 | CHF 391.60 | CHF 364.60 |
| 2'000 | CHF 362.50 | CHF 337.50 |
| 2'500 | CHF 333.30 | CHF 310.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 341.30 | CHF 317.75 |
| 500 | CHF 329.70 | CHF 306.95 |
| 1'000 | CHF 300.50 | CHF 279.75 |
| 1'500 | CHF 271.30 | CHF 252.60 |
| 2'000 | CHF 242.20 | CHF 225.50 |
| 2'500 | CHF 213.00 | CHF 198.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.10 | CHF 116.45 |
| 100 | CHF 119.30 | CHF 111.05 |
| 200 | CHF 113.50 | CHF 105.65 |
| 300 | CHF 107.60 | CHF 100.20 |
| 400 | CHF 101.80 | CHF 94.80 |
| 500 | CHF 96.00 | CHF 89.40 |
| 600 | CHF 90.10 | CHF 83.90 |
The price, region by region
- 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
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.