Médecin de famille 2 or Médecin de famille 4 — Region 2, Lucerne
Region 2, Lucerne: with Sanitas, Médecin de famille 2 costs CHF 469.10 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 2 is the cheaper of the two here: CHF 61.20 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 2 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 2
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 2 | Médecin de famille 4 | Gap per year |
|---|---|---|---|
| 300 | CHF 469.10 | CHF 474.20 | CHF 61.20 |
| 500 | CHF 457.50 | CHF 462.60 | CHF 61.20 |
| 1'000 | CHF 428.30 | CHF 433.40 | CHF 61.20 |
| 1'500 | CHF 399.10 | CHF 404.20 | CHF 61.20 |
| 2'000 | CHF 370.00 | CHF 375.10 | CHF 61.20 |
| 2'500 | CHF 340.80 | CHF 345.90 | CHF 61.20 |
The comparison, region by region
- Médecin de famille 2 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.