Luzerner Hinterland TelMed — Region 1, Bern
Region 1, Bern: the TelMed model from Luzerner Hinterland costs CHF 634.95 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 634.95, TelMed is not the lowest premium here: Visana goes down to CHF 540.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, TelMed costs CHF 486.60 less per year than Luzerner Hinterland'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 634.95 | CHF 596.85 |
| 500 | CHF 623.30 | CHF 585.90 |
| 1'000 | CHF 594.15 | CHF 558.50 |
| 1'500 | CHF 564.95 | CHF 531.05 |
| 2'000 | CHF 535.80 | CHF 503.65 |
| 2'500 | CHF 506.65 | CHF 476.25 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 508.00 | CHF 477.50 |
| 500 | CHF 496.30 | CHF 466.55 |
| 1'000 | CHF 467.15 | CHF 439.10 |
| 1'500 | CHF 438.00 | CHF 411.70 |
| 2'000 | CHF 408.80 | CHF 384.30 |
| 2'500 | CHF 379.65 | CHF 356.85 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 158.75 | CHF 149.20 |
| 100 | CHF 152.90 | CHF 143.75 |
| 200 | CHF 147.10 | CHF 138.25 |
| 300 | CHF 141.25 | CHF 132.75 |
| 400 | CHF 135.40 | CHF 127.30 |
| 500 | CHF 129.60 | CHF 121.80 |
| 600 | CHF 123.75 | CHF 116.30 |
The price, 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.