Médecin de famille 3 or Médecin de famille 4 — Region 2, Lucerne
Region 2, Lucerne: with Sanitas, Médecin de famille 3 costs CHF 474.20 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.
Here Médecin de famille 3 and Médecin de famille 4 cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
What you accept in each case
Médecin de famille 3 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 3
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 3 | Médecin de famille 4 | Gap per year |
|---|---|---|---|
| 300 | CHF 474.20 | CHF 474.20 | — |
| 500 | CHF 462.60 | CHF 462.60 | — |
| 1'000 | CHF 433.40 | CHF 433.40 | — |
| 1'500 | CHF 404.20 | CHF 404.20 | — |
| 2'000 | CHF 375.10 | CHF 375.10 | — |
| 2'500 | CHF 345.90 | CHF 345.90 | — |
The comparison, region by region
- Médecin de famille 3 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.