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Médecin de famille 3 or TelMed (Compact One) — Region 2, Lucerne

Region 2, Lucerne: with Sanitas, Médecin de famille 3 costs CHF 474.20 a month in 2026 and TelMed (Compact One) CHF 459.00, 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 182.40 saved per year against Médecin de famille 3, 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 (Compact One) is a "Telemedicine and others" model.

  • Médecin de famille 3

    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 3TelMed (Compact One)Gap per year
300CHF 474.20CHF 459.00CHF 182.40
500CHF 462.60CHF 447.40CHF 182.40
1'000CHF 433.40CHF 418.20CHF 182.40
1'500CHF 404.20CHF 389.00CHF 182.40
2'000CHF 375.10CHF 359.90CHF 182.40
2'500CHF 345.90CHF 330.70CHF 182.40

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.