Luzerner Hinterland TelMed — Region 3, Lucerne
Region 3, Lucerne: the TelMed model from Luzerner Hinterland costs CHF 425.65 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 425.65, TelMed is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, TelMed costs CHF 325.80 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 425.65 | CHF 400.10 |
| 500 | CHF 413.95 | CHF 389.15 |
| 1'000 | CHF 384.80 | CHF 361.70 |
| 1'500 | CHF 355.65 | CHF 334.30 |
| 2'000 | CHF 326.45 | CHF 306.90 |
| 2'500 | CHF 297.30 | CHF 279.45 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 318.00 | CHF 298.90 |
| 500 | CHF 306.30 | CHF 287.95 |
| 1'000 | CHF 277.15 | CHF 260.55 |
| 1'500 | CHF 248.00 | CHF 233.10 |
| 2'000 | CHF 223.20 | CHF 209.80 |
| 2'500 | CHF 189.65 | CHF 178.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 100.00 | CHF 94.00 |
| 100 | CHF 94.20 | CHF 88.55 |
| 200 | CHF 88.35 | CHF 83.05 |
| 300 | CHF 82.50 | CHF 77.55 |
| 400 | CHF 76.70 | CHF 72.10 |
| 500 | CHF 70.85 | CHF 66.60 |
| 600 | CHF 65.00 | CHF 61.10 |
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.