Luzerner Hinterland TelMed — Region 1, Lucerne
Region 1, Lucerne: the TelMed model from Luzerner Hinterland costs CHF 472.40 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 472.40, TelMed is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, TelMed costs CHF 361.80 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 472.40 | CHF 444.05 |
| 500 | CHF 460.75 | CHF 433.10 |
| 1'000 | CHF 431.55 | CHF 405.65 |
| 1'500 | CHF 402.40 | CHF 378.25 |
| 2'000 | CHF 373.25 | CHF 350.85 |
| 2'500 | CHF 344.05 | CHF 323.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 356.00 | CHF 334.65 |
| 500 | CHF 344.35 | CHF 323.65 |
| 1'000 | CHF 315.15 | CHF 296.25 |
| 1'500 | CHF 286.00 | CHF 268.85 |
| 2'000 | CHF 256.85 | CHF 241.40 |
| 2'500 | CHF 227.65 | CHF 214.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 111.00 | CHF 104.35 |
| 100 | CHF 105.20 | CHF 98.85 |
| 200 | CHF 99.35 | CHF 93.40 |
| 300 | CHF 93.50 | CHF 87.90 |
| 400 | CHF 87.70 | CHF 82.40 |
| 500 | CHF 81.85 | CHF 76.95 |
| 600 | CHF 76.00 | CHF 71.45 |
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.