Med Direct or Visana Tel Doc — Region 1, Lucerne
Region 1, Lucerne: with Visana, Med Direct costs CHF 537.70 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.
Med Direct is the cheaper of the two here: CHF 74.40 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
Med Direct is a "Family doctor" model. Visana Tel Doc is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- 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
| Deductible | Med Direct | Visana Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 537.70 | CHF 543.90 | CHF 74.40 |
| 500 | CHF 531.00 | CHF 537.20 | CHF 74.40 |
| 1'000 | CHF 496.90 | CHF 503.10 | CHF 74.40 |
| 1'500 | CHF 467.70 | CHF 473.90 | CHF 74.40 |
| 2'000 | CHF 438.50 | CHF 444.70 | CHF 74.40 |
| 2'500 | CHF 409.40 | CHF 415.60 | CHF 74.40 |
The comparison, region by region
- Med Direct or Visana Tel Doc?
- 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.