Med Direct or Visana Med Call — Region 1, Lucerne
Region 1, Lucerne: with Visana, Med Direct costs CHF 537.70 a month in 2026 and Visana Med Call CHF 611.80, 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 889.20 saved per year against Visana Med Call, 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. Visana Med Call is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- Visana Med Call
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 | Visana Med Call | Gap per year |
|---|---|---|---|
| 300 | CHF 537.70 | CHF 611.80 | CHF 889.20 |
| 500 | CHF 531.00 | CHF 605.20 | CHF 890.40 |
| 1'000 | CHF 496.90 | CHF 571.00 | CHF 889.20 |
| 1'500 | CHF 467.70 | CHF 541.80 | CHF 889.20 |
| 2'000 | CHF 438.50 | CHF 512.70 | CHF 890.40 |
| 2'500 | CHF 409.40 | CHF 483.50 | CHF 889.20 |
The comparison, region by region
- Med Direct or Visana Med Call?
- 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.