Combi Care or Tel Care — Region 1, Lucerne
Region 1, Lucerne: with Visana, Combi Care costs CHF 556.20 a month in 2026 and Tel Care CHF 543.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Tel Care is the cheaper of the two here: CHF 147.60 saved per year against Combi Care, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Combi Care and Tel Care are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Tel Care
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 | Combi Care | Tel Care | Gap per year |
|---|---|---|---|
| 300 | CHF 556.20 | CHF 543.90 | CHF 147.60 |
| 500 | CHF 549.60 | CHF 537.20 | CHF 148.80 |
| 1'000 | CHF 515.40 | CHF 503.10 | CHF 147.60 |
| 1'500 | CHF 486.20 | CHF 473.90 | CHF 147.60 |
| 2'000 | CHF 457.10 | CHF 444.70 | CHF 148.80 |
| 2'500 | CHF 427.90 | CHF 415.60 | CHF 147.60 |
The comparison, region by region
- Combi Care or Tel Care?
- 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 2
- Lucerne — Region 3
- 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.