Galenos Tel Doc — Region 1, Lucerne
Region 1, Lucerne: the Tel Doc model from Galenos costs CHF 530.20 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 530.20, Tel Doc is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Tel Doc costs CHF 738.00 less per year than Galenos'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 530.20 | CHF 495.50 |
| 500 | CHF 518.50 | CHF 484.60 |
| 1'000 | CHF 489.40 | CHF 457.40 |
| 1'500 | CHF 460.20 | CHF 430.10 |
| 2'000 | CHF 431.00 | CHF 402.90 |
| 2'500 | CHF 401.90 | CHF 375.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 403.10 | CHF 376.80 |
| 500 | CHF 391.50 | CHF 365.90 |
| 1'000 | CHF 362.30 | CHF 338.60 |
| 1'500 | CHF 333.10 | CHF 311.40 |
| 2'000 | CHF 304.00 | CHF 284.10 |
| 2'500 | CHF 274.80 | CHF 256.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 127.10 | CHF 118.80 |
| 100 | CHF 121.30 | CHF 113.40 |
| 200 | CHF 115.40 | CHF 107.90 |
| 300 | CHF 109.60 | CHF 102.50 |
| 400 | CHF 103.80 | CHF 97.00 |
| 500 | CHF 97.90 | CHF 91.60 |
| 600 | CHF 92.10 | CHF 86.10 |
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 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
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.