SLKK-HomeCare or SLKK-SmartMed — Region 1, Lucerne
Region 1, Lucerne: with SLKK, SLKK-HomeCare costs CHF 520.50 a month in 2026 and SLKK-SmartMed CHF 508.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
SLKK-SmartMed is the cheaper of the two here: CHF 139.20 saved per year against SLKK-HomeCare, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
SLKK-HomeCare is a "Family doctor" model. SLKK-SmartMed is a "Telemedicine and others" model.
- SLKK-HomeCare
Family doctor
You pick a family doctor and always go to them first.
- SLKK-SmartMed
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 | SLKK-HomeCare | SLKK-SmartMed | Gap per year |
|---|---|---|---|
| 300 | CHF 520.50 | CHF 508.90 | CHF 139.20 |
| 500 | CHF 510.00 | CHF 498.70 | CHF 135.60 |
| 1'000 | CHF 483.80 | CHF 473.00 | CHF 129.60 |
| 1'500 | CHF 457.50 | CHF 447.30 | CHF 122.40 |
| 2'000 | CHF 431.30 | CHF 421.70 | CHF 115.20 |
| 2'500 | CHF 405.00 | CHF 396.00 | CHF 108.00 |
The comparison, region by region
- SLKK-HomeCare or SLKK-SmartMed?
- 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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.