Luzerner Hinterland TelMed — Region 2, Bern
Region 2, Bern: the TelMed model from Luzerner Hinterland costs CHF 541.75 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 541.75, TelMed is not the lowest premium here: Visana goes down to CHF 493.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, TelMed costs CHF 415.20 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 541.75 | CHF 509.25 |
| 500 | CHF 530.10 | CHF 498.30 |
| 1'000 | CHF 500.95 | CHF 470.90 |
| 1'500 | CHF 471.75 | CHF 443.45 |
| 2'000 | CHF 442.60 | CHF 416.05 |
| 2'500 | CHF 413.45 | CHF 388.65 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 441.80 | CHF 415.30 |
| 500 | CHF 430.15 | CHF 404.35 |
| 1'000 | CHF 401.00 | CHF 376.90 |
| 1'500 | CHF 371.80 | CHF 349.50 |
| 2'000 | CHF 342.65 | CHF 322.10 |
| 2'500 | CHF 313.50 | CHF 294.65 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 134.75 | CHF 126.65 |
| 100 | CHF 128.90 | CHF 121.15 |
| 200 | CHF 123.05 | CHF 115.70 |
| 300 | CHF 117.25 | CHF 110.20 |
| 400 | CHF 111.40 | CHF 104.70 |
| 500 | CHF 105.55 | CHF 99.25 |
| 600 | CHF 99.75 | CHF 93.75 |
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.