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Combi Care or Visana Tel Doc — Region 3, Lucerne

Region 3, Lucerne: with Visana, Combi Care costs CHF 504.90 a month in 2026 and Visana Tel Doc CHF 493.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

Visana Tel Doc is the cheaper of the two here: CHF 134.40 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 Visana Tel Doc 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.

  • Visana Tel Doc

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleCombi CareVisana Tel DocGap per year
300CHF 504.90CHF 493.70CHF 134.40
500CHF 498.30CHF 487.10CHF 134.40
1'000CHF 464.10CHF 452.90CHF 134.40
1'500CHF 434.90CHF 423.70CHF 134.40
2'000CHF 405.80CHF 394.60CHF 134.40
2'500CHF 376.60CHF 365.40CHF 134.40

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.