Hausarzt or Telmed — Region 1, Lucerne
Region 1, Lucerne: with Sumiswalder, Hausarzt costs CHF 504.50 a month in 2026 and Telmed CHF 504.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here Hausarzt and Telmed cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
What you accept in each case
Hausarzt is a "Family doctor" model. Telmed is a "Telemedicine and others" model.
The price at every deductible
| Deductible | Hausarzt | Telmed | Gap per year |
|---|---|---|---|
| 300 | CHF 504.50 | CHF 504.50 | — |
| 500 | CHF 493.70 | CHF 493.70 | — |
| 1'000 | CHF 466.90 | CHF 466.90 | — |
| 1'500 | CHF 440.10 | CHF 440.10 | — |
| 2'000 | CHF 413.30 | CHF 413.30 | — |
| 2'500 | CHF 386.50 | CHF 386.50 | — |
The comparison, region by region
- Hausarzt or Telmed?
- 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 1
- 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.