Luzerner Hinterland TelMed — Nidwalden
Nidwalden: the TelMed model from Luzerner Hinterland costs CHF 451.60 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 451.60, TelMed is not the lowest premium here: Agrisano goes down to CHF 385.40. A named model does not guarantee the best price — it guarantees a care pathway.
On average, TelMed costs CHF 346.20 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 451.60 | CHF 424.55 |
| 500 | CHF 439.95 | CHF 413.55 |
| 1'000 | CHF 410.80 | CHF 386.15 |
| 1'500 | CHF 381.60 | CHF 358.75 |
| 2'000 | CHF 352.45 | CHF 331.30 |
| 2'500 | CHF 323.30 | CHF 303.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 338.70 | CHF 318.40 |
| 500 | CHF 327.05 | CHF 307.45 |
| 1'000 | CHF 297.90 | CHF 280.00 |
| 1'500 | CHF 268.70 | CHF 252.60 |
| 2'000 | CHF 240.70 | CHF 226.25 |
| 2'500 | CHF 210.40 | CHF 197.75 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 110.65 | CHF 104.00 |
| 100 | CHF 104.80 | CHF 98.55 |
| 200 | CHF 99.00 | CHF 93.05 |
| 300 | CHF 93.15 | CHF 87.55 |
| 400 | CHF 87.30 | CHF 82.10 |
| 500 | CHF 81.50 | CHF 76.60 |
| 600 | CHF 75.65 | CHF 71.10 |
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.