Luzerner Hinterland TelMed — Region 3, Zurich
Region 3, Zurich: the TelMed model from Luzerner Hinterland costs CHF 469.25 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 469.25, TelMed is not the lowest premium here: Agrisano goes down to CHF 427.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, TelMed costs CHF 359.40 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 469.25 | CHF 441.10 |
| 500 | CHF 457.60 | CHF 430.15 |
| 1'000 | CHF 428.40 | CHF 402.70 |
| 1'500 | CHF 399.25 | CHF 375.30 |
| 2'000 | CHF 370.10 | CHF 347.90 |
| 2'500 | CHF 340.90 | CHF 320.45 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 353.30 | CHF 332.10 |
| 500 | CHF 341.65 | CHF 321.15 |
| 1'000 | CHF 312.45 | CHF 293.70 |
| 1'500 | CHF 283.30 | CHF 266.30 |
| 2'000 | CHF 254.15 | CHF 238.90 |
| 2'500 | CHF 224.95 | CHF 211.45 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 114.95 | CHF 108.05 |
| 100 | CHF 109.15 | CHF 102.60 |
| 200 | CHF 103.30 | CHF 97.10 |
| 300 | CHF 97.45 | CHF 91.60 |
| 400 | CHF 91.65 | CHF 86.15 |
| 500 | CHF 85.80 | CHF 80.65 |
| 600 | CHF 79.95 | CHF 75.15 |
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.