Médecin de famille 2 or TelMed (Compact One) — Region 3, Lucerne
Region 3, Lucerne: with Sanitas, Médecin de famille 2 costs CHF 454.20 a month in 2026 and TelMed (Compact One) CHF 444.40, 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 117.60 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
| Deductible | Médecin de famille 2 | TelMed (Compact One) | Gap per year |
|---|---|---|---|
| 300 | CHF 454.20 | CHF 444.40 | CHF 117.60 |
| 500 | CHF 442.60 | CHF 432.80 | CHF 117.60 |
| 1'000 | CHF 413.40 | CHF 403.60 | CHF 117.60 |
| 1'500 | CHF 384.20 | CHF 374.40 | CHF 117.60 |
| 2'000 | CHF 355.10 | CHF 345.30 | CHF 117.60 |
| 2'500 | CHF 325.90 | CHF 316.10 | CHF 117.60 |
The comparison, region by region
- Médecin de famille 2 or TelMed (Compact One)?
- 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 2
- 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.