Galenos Tel Doc — Region 3, Lucerne
Region 3, Lucerne: the Tel Doc model from Galenos costs CHF 496.80 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 496.80, Tel Doc is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Tel Doc costs CHF 489.60 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 496.80 | CHF 464.30 |
| 500 | CHF 485.10 | CHF 453.40 |
| 1'000 | CHF 455.90 | CHF 426.10 |
| 1'500 | CHF 426.80 | CHF 398.90 |
| 2'000 | CHF 397.60 | CHF 371.60 |
| 2'500 | CHF 368.40 | CHF 344.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 372.60 | CHF 348.20 |
| 500 | CHF 360.90 | CHF 337.30 |
| 1'000 | CHF 331.70 | CHF 310.00 |
| 1'500 | CHF 302.60 | CHF 282.80 |
| 2'000 | CHF 273.40 | CHF 255.50 |
| 2'500 | CHF 244.20 | CHF 228.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 118.20 | CHF 110.50 |
| 100 | CHF 112.40 | CHF 105.10 |
| 200 | CHF 106.50 | CHF 99.60 |
| 300 | CHF 100.70 | CHF 94.20 |
| 400 | CHF 94.90 | CHF 88.70 |
| 500 | CHF 89.00 | CHF 83.20 |
| 600 | CHF 83.20 | CHF 77.80 |
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 2
- 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.