SLKK-HomeCare or SLKK-SmartMed — Region 2, Lucerne
Region 2, Lucerne: with SLKK, SLKK-HomeCare costs CHF 468.40 a month in 2026 and SLKK-SmartMed CHF 458.00, 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 124.80 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 468.40 | CHF 458.00 | CHF 124.80 |
| 500 | CHF 458.00 | CHF 447.80 | CHF 122.40 |
| 1'000 | CHF 431.70 | CHF 422.10 | CHF 115.20 |
| 1'500 | CHF 405.40 | CHF 396.40 | CHF 108.00 |
| 2'000 | CHF 379.20 | CHF 370.80 | CHF 100.80 |
| 2'500 | CHF 353.00 | CHF 345.10 | CHF 94.80 |
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 1
- 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.