Luzerner Hinterland TelMed — Region 3, Bern
Region 3, Bern: the TelMed model from Luzerner Hinterland costs CHF 496.85 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 496.85, TelMed is not the lowest premium here: Agrisano goes down to CHF 447.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, TelMed costs CHF 380.40 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 496.85 | CHF 467.05 |
| 500 | CHF 485.15 | CHF 456.05 |
| 1'000 | CHF 456.00 | CHF 428.65 |
| 1'500 | CHF 426.85 | CHF 401.25 |
| 2'000 | CHF 397.65 | CHF 373.80 |
| 2'500 | CHF 368.50 | CHF 346.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 397.60 | CHF 373.75 |
| 500 | CHF 385.95 | CHF 362.80 |
| 1'000 | CHF 356.80 | CHF 335.40 |
| 1'500 | CHF 327.60 | CHF 307.95 |
| 2'000 | CHF 298.45 | CHF 280.55 |
| 2'500 | CHF 269.30 | CHF 253.15 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.20 | CHF 116.75 |
| 100 | CHF 118.40 | CHF 111.25 |
| 200 | CHF 112.55 | CHF 105.80 |
| 300 | CHF 106.70 | CHF 100.30 |
| 400 | CHF 100.90 | CHF 94.80 |
| 500 | CHF 95.05 | CHF 89.35 |
| 600 | CHF 89.20 | CHF 83.85 |
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.