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

Region 3, Lucerne: with Sanitas, Médecin de famille 3 costs CHF 459.15 a month in 2026 and TelMed (CallMed) CHF 459.20, 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 459.15CHF 459.20CHF 0.60
500CHF 447.55CHF 447.60CHF 0.60
1'000CHF 418.35CHF 418.40CHF 0.60
1'500CHF 389.15CHF 389.20CHF 0.60
2'000CHF 360.05CHF 360.10CHF 0.60
2'500CHF 330.85CHF 330.90CHF 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.