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Managed Care or Visana Tel Doc — Region 1, Lucerne

Region 1, Lucerne: with Visana, Managed Care costs CHF 529.70 a month in 2026 and Visana Tel Doc CHF 543.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

Managed Care is the cheaper of the two here: CHF 170.40 saved per year against Visana Tel Doc, for cover identical under the law. What you pay more or less for is the care pathway.

What you accept in each case

Managed Care is a "Group practice (HMO)" model. Visana Tel Doc is a "Telemedicine and others" model.

  • Managed Care

    Group practice (HMO)

    You go to a designated group practice, which coordinates your care.

  • 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

DeductibleManaged CareVisana Tel DocGap per year
300CHF 529.70CHF 543.90CHF 170.40
500CHF 523.00CHF 537.20CHF 170.40
1'000CHF 488.80CHF 503.10CHF 171.60
1'500CHF 459.70CHF 473.90CHF 170.40
2'000CHF 430.50CHF 444.70CHF 170.40
2'500CHF 401.30CHF 415.60CHF 171.60

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.