Galenos Tel Doc — Region 2, Lucerne
Region 2, Lucerne: the Tel Doc model from Galenos costs CHF 514.00 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 514.00, Tel Doc 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, Tel Doc costs CHF 522.00 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 514.00 | CHF 480.40 |
| 500 | CHF 502.40 | CHF 469.50 |
| 1'000 | CHF 473.20 | CHF 442.30 |
| 1'500 | CHF 444.00 | CHF 415.00 |
| 2'000 | CHF 414.90 | CHF 387.80 |
| 2'500 | CHF 385.70 | CHF 360.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 403.00 | CHF 376.70 |
| 500 | CHF 391.30 | CHF 365.80 |
| 1'000 | CHF 362.20 | CHF 338.50 |
| 1'500 | CHF 333.00 | CHF 311.30 |
| 2'000 | CHF 303.80 | CHF 284.00 |
| 2'500 | CHF 274.70 | CHF 256.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 138.50 | CHF 129.50 |
| 100 | CHF 132.70 | CHF 124.00 |
| 200 | CHF 126.80 | CHF 118.60 |
| 300 | CHF 121.00 | CHF 113.10 |
| 400 | CHF 115.20 | CHF 107.70 |
| 500 | CHF 109.30 | CHF 102.20 |
| 600 | CHF 103.50 | CHF 96.80 |
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.