Médecin de famille 4 or TelMed (Compact One) — Region 3, Lucerne
Region 3, Lucerne: with Sanitas, Médecin de famille 4 costs CHF 459.15 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 177.00 saved per year against Médecin de famille 4, 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 4 is a "Family doctor" model. TelMed (Compact One) is a "Telemedicine and others" model.
- Médecin de famille 4
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 4 | TelMed (Compact One) | Gap per year |
|---|---|---|---|
| 300 | CHF 459.15 | CHF 444.40 | CHF 177.00 |
| 500 | CHF 447.55 | CHF 432.80 | CHF 177.00 |
| 1'000 | CHF 418.35 | CHF 403.60 | CHF 177.00 |
| 1'500 | CHF 389.15 | CHF 374.40 | CHF 177.00 |
| 2'000 | CHF 360.05 | CHF 345.30 | CHF 177.00 |
| 2'500 | CHF 330.85 | CHF 316.10 | CHF 177.00 |
The comparison, region by region
- Médecin de famille 4 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.