Luzerner Hinterland TelMed — Obwalden
Obwalden: the TelMed model from Luzerner Hinterland costs CHF 452.25 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 452.25, TelMed is not the lowest premium here: Agrisano goes down to CHF 382.80. 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 452.25 | CHF 425.10 |
| 500 | CHF 440.55 | CHF 414.15 |
| 1'000 | CHF 411.40 | CHF 386.70 |
| 1'500 | CHF 382.25 | CHF 359.30 |
| 2'000 | CHF 353.05 | CHF 331.90 |
| 2'500 | CHF 323.90 | CHF 304.45 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 339.20 | CHF 318.80 |
| 500 | CHF 327.50 | CHF 307.85 |
| 1'000 | CHF 298.35 | CHF 280.45 |
| 1'500 | CHF 269.20 | CHF 253.00 |
| 2'000 | CHF 240.00 | CHF 225.60 |
| 2'500 | CHF 210.85 | CHF 198.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 110.80 | CHF 104.15 |
| 100 | CHF 104.95 | CHF 98.65 |
| 200 | CHF 99.15 | CHF 93.20 |
| 300 | CHF 93.30 | CHF 87.70 |
| 400 | CHF 87.45 | CHF 82.20 |
| 500 | CHF 81.65 | CHF 76.75 |
| 600 | CHF 75.80 | CHF 71.25 |
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.