Luzerner Hinterland TelMed — Region 2, Zurich
Region 2, Zurich: the TelMed model from Luzerner Hinterland costs CHF 509.80 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 509.80, TelMed is not the lowest premium here: Agrisano goes down to CHF 467.90. A named model does not guarantee the best price — it guarantees a care pathway.
On average, TelMed costs CHF 390.60 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 509.80 | CHF 479.20 |
| 500 | CHF 498.15 | CHF 468.25 |
| 1'000 | CHF 469.00 | CHF 440.85 |
| 1'500 | CHF 439.80 | CHF 413.40 |
| 2'000 | CHF 410.65 | CHF 386.00 |
| 2'500 | CHF 381.50 | CHF 358.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 392.55 | CHF 369.00 |
| 500 | CHF 380.90 | CHF 358.05 |
| 1'000 | CHF 351.70 | CHF 330.60 |
| 1'500 | CHF 322.55 | CHF 303.20 |
| 2'000 | CHF 293.40 | CHF 275.80 |
| 2'500 | CHF 264.20 | CHF 248.35 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.90 | CHF 117.40 |
| 100 | CHF 119.05 | CHF 111.95 |
| 200 | CHF 113.25 | CHF 106.45 |
| 300 | CHF 107.40 | CHF 100.95 |
| 400 | CHF 101.55 | CHF 95.50 |
| 500 | CHF 95.75 | CHF 90.00 |
| 600 | CHF 89.90 | CHF 84.50 |
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.