Med Direct or Tel Care — Region 3, Lucerne
Region 3, Lucerne: with Visana, Med Direct costs CHF 488.10 a month in 2026 and Tel Care CHF 493.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Med Direct is the cheaper of the two here: CHF 67.20 saved per year against Tel Care, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Med Direct is a "Family doctor" model. Tel Care is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- 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 | Med Direct | Tel Care | Gap per year |
|---|---|---|---|
| 300 | CHF 488.10 | CHF 493.70 | CHF 67.20 |
| 500 | CHF 481.50 | CHF 487.10 | CHF 67.20 |
| 1'000 | CHF 447.30 | CHF 452.90 | CHF 67.20 |
| 1'500 | CHF 418.10 | CHF 423.70 | CHF 67.20 |
| 2'000 | CHF 389.00 | CHF 394.60 | CHF 67.20 |
| 2'500 | CHF 359.80 | CHF 365.40 | CHF 67.20 |
The comparison, region by region
- Med Direct 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 1
- Lucerne — Region 2
- 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.