Sanitas Médecin de famille 1 — Region 2, Lucerne
Region 2, Lucerne: the Médecin de famille 1 model from Sanitas costs CHF 443.60 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 443.60, Médecin de famille 1 is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Médecin de famille 1 costs CHF 795.60 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 443.60 | CHF 413.00 |
| 500 | CHF 432.00 | CHF 402.20 |
| 1'000 | CHF 402.80 | CHF 375.00 |
| 1'500 | CHF 373.60 | CHF 347.80 |
| 2'000 | CHF 344.50 | CHF 320.75 |
| 2'500 | CHF 315.30 | CHF 293.55 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 328.00 | CHF 305.35 |
| 500 | CHF 316.40 | CHF 294.55 |
| 1'000 | CHF 287.20 | CHF 267.40 |
| 1'500 | CHF 258.00 | CHF 240.20 |
| 2'000 | CHF 228.90 | CHF 213.10 |
| 2'500 | CHF 199.70 | CHF 185.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 120.20 | CHF 111.90 |
| 100 | CHF 114.40 | CHF 106.50 |
| 200 | CHF 108.60 | CHF 101.10 |
| 300 | CHF 102.70 | CHF 95.60 |
| 400 | CHF 96.90 | CHF 90.20 |
| 500 | CHF 91.10 | CHF 84.80 |
| 600 | CHF 85.20 | CHF 79.30 |
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 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
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.