Visana Med Direct — Region 2, Lucerne
Region 2, Lucerne: the Med Direct model from Visana costs CHF 488.10 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 488.10, Med Direct is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Med Direct costs CHF 874.80 less per year than Visana's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 488.10 | CHF 456.20 |
| 500 | CHF 481.50 | CHF 450.00 |
| 1'000 | CHF 447.30 | CHF 418.10 |
| 1'500 | CHF 418.10 | CHF 390.80 |
| 2'000 | CHF 389.00 | CHF 363.50 |
| 2'500 | CHF 359.80 | CHF 336.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 341.80 | CHF 319.50 |
| 500 | CHF 335.10 | CHF 313.20 |
| 1'000 | CHF 301.00 | CHF 281.30 |
| 1'500 | CHF 271.80 | CHF 254.00 |
| 2'000 | CHF 242.60 | CHF 226.80 |
| 2'500 | CHF 213.50 | CHF 199.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 117.50 | CHF 109.80 |
| 100 | CHF 111.60 | CHF 104.30 |
| 200 | CHF 105.80 | CHF 98.90 |
| 300 | CHF 100.00 | CHF 93.40 |
| 400 | CHF 94.10 | CHF 88.00 |
| 500 | CHF 88.30 | CHF 82.50 |
| 600 | CHF 82.50 | CHF 77.10 |
The price, region by region
- 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
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.