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Médecin de famille 2 or TelMed (Compact One) — Region 1, Lucerne

Region 1, Lucerne: with Sanitas, Médecin de famille 2 costs CHF 488.15 a month in 2026 and TelMed (Compact One) CHF 461.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

TelMed (Compact One) is the cheaper of the two here: CHF 317.40 saved per year against Médecin de famille 2, 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 is a "Family doctor" model. TelMed (Compact One) is a "Telemedicine and others" model.

  • Médecin de famille 2

    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 2TelMed (Compact One)Gap per year
300CHF 488.15CHF 461.70CHF 317.40
500CHF 476.55CHF 450.10CHF 317.40
1'000CHF 447.35CHF 420.90CHF 317.40
1'500CHF 418.15CHF 391.70CHF 317.40
2'000CHF 389.05CHF 362.60CHF 317.40
2'500CHF 359.85CHF 333.40CHF 317.40

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.