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Médecin de famille 3 or TelMed (CallMed) — Region 1, Lucerne

Region 1, Lucerne: with Sanitas, Médecin de famille 3 costs CHF 493.45 a month in 2026 and TelMed (CallMed) CHF 493.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

Médecin de famille 3 is the cheaper of the two here: CHF 0.60 saved per year against TelMed (CallMed), 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 3 is a "Family doctor" model. TelMed (CallMed) is a "Telemedicine and others" model.

  • Médecin de famille 3

    Family doctor

    You pick a family doctor and always go to them first.

  • TelMed (CallMed)

    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 3TelMed (CallMed)Gap per year
300CHF 493.45CHF 493.50CHF 0.60
500CHF 481.85CHF 481.90CHF 0.60
1'000CHF 452.65CHF 452.70CHF 0.60
1'500CHF 423.45CHF 423.50CHF 0.60
2'000CHF 394.35CHF 394.40CHF 0.60
2'500CHF 365.15CHF 365.20CHF 0.60

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.