Hausmed or TelMed — Obwalden
Obwalden: with Luzerner Hinterland, Hausmed costs CHF 457.05 a month in 2026 and TelMed CHF 452.25, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
TelMed is the cheaper of the two here: CHF 57.60 saved per year against Hausmed, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Hausmed is a "Family doctor" model. TelMed is a "Telemedicine and others" model.
The price at every deductible
| Deductible | Hausmed | TelMed | Gap per year |
|---|---|---|---|
| 300 | CHF 457.05 | CHF 452.25 | CHF 57.60 |
| 500 | CHF 445.40 | CHF 440.55 | CHF 58.20 |
| 1'000 | CHF 416.20 | CHF 411.40 | CHF 57.60 |
| 1'500 | CHF 387.05 | CHF 382.25 | CHF 57.60 |
| 2'000 | CHF 357.90 | CHF 353.05 | CHF 58.20 |
| 2'500 | CHF 328.70 | CHF 323.90 | CHF 57.60 |
The comparison, region by region
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.