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Médecin de famille 2 or Médecin de famille 4 — Region 3, Lucerne

Region 3, Lucerne: with Sanitas, Médecin de famille 2 costs CHF 454.20 a month in 2026 and Médecin de famille 4 CHF 459.15, 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 59.40 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.

The price at every deductible

DeductibleMédecin de famille 2Médecin de famille 4Gap per year
300CHF 454.20CHF 459.15CHF 59.40
500CHF 442.60CHF 447.55CHF 59.40
1'000CHF 413.40CHF 418.35CHF 59.40
1'500CHF 384.20CHF 389.15CHF 59.40
2'000CHF 355.10CHF 360.05CHF 59.40
2'500CHF 325.90CHF 330.85CHF 59.40

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.