Med Direct or Visana Med Call — Region 2, Lucerne
Region 2, Lucerne: with Visana, Med Direct costs CHF 488.10 a month in 2026 and Visana Med Call CHF 555.40, 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 807.60 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 488.10 | CHF 555.40 | CHF 807.60 |
| 500 | CHF 481.50 | CHF 548.70 | CHF 806.40 |
| 1'000 | CHF 447.30 | CHF 514.60 | CHF 807.60 |
| 1'500 | CHF 418.10 | CHF 485.40 | CHF 807.60 |
| 2'000 | CHF 389.00 | CHF 456.20 | CHF 806.40 |
| 2'500 | CHF 359.80 | CHF 427.10 | CHF 807.60 |
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 1
- 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.