Luzerner Hinterland TelMed — Region 2, Lucerne
Region 2, Lucerne: the TelMed model from Luzerner Hinterland costs CHF 440.45 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 440.45, TelMed is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, TelMed costs CHF 337.20 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 440.45 | CHF 414.00 |
| 500 | CHF 428.75 | CHF 403.05 |
| 1'000 | CHF 399.60 | CHF 375.65 |
| 1'500 | CHF 370.45 | CHF 348.20 |
| 2'000 | CHF 341.25 | CHF 320.80 |
| 2'500 | CHF 312.10 | CHF 293.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 327.55 | CHF 307.90 |
| 500 | CHF 315.90 | CHF 296.95 |
| 1'000 | CHF 286.70 | CHF 269.50 |
| 1'500 | CHF 257.55 | CHF 242.10 |
| 2'000 | CHF 229.95 | CHF 216.15 |
| 2'500 | CHF 199.20 | CHF 187.25 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 103.50 | CHF 97.30 |
| 100 | CHF 97.65 | CHF 91.80 |
| 200 | CHF 91.85 | CHF 86.35 |
| 300 | CHF 86.00 | CHF 80.85 |
| 400 | CHF 80.15 | CHF 75.35 |
| 500 | CHF 74.35 | CHF 69.90 |
| 600 | CHF 68.50 | CHF 64.40 |
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.