BeneFit PLUS Telmed or Premed-24 — Region 3, Lucerne
Region 3, Lucerne: with Helsana, BeneFit PLUS Telmed costs CHF 450.20 a month in 2026 and Premed-24 CHF 493.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
BeneFit PLUS Telmed is the cheaper of the two here: CHF 514.80 saved per year against Premed-24, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
BeneFit PLUS Telmed and Premed-24 are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- BeneFit PLUS Telmed
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Premed-24
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 | BeneFit PLUS Telmed | Premed-24 | Gap per year |
|---|---|---|---|
| 300 | CHF 450.20 | CHF 493.10 | CHF 514.80 |
| 500 | CHF 438.60 | CHF 481.50 | CHF 514.80 |
| 1'000 | CHF 409.40 | CHF 452.30 | CHF 514.80 |
| 1'500 | CHF 380.20 | CHF 423.10 | CHF 514.80 |
| 2'000 | CHF 351.10 | CHF 394.00 | CHF 514.80 |
| 2'500 | CHF 321.90 | CHF 364.80 | CHF 514.80 |
The comparison, region by region
- BeneFit PLUS Telmed or Premed-24?
- 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
- 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.