sana24 sana24 Tel Care — Region 3, Lucerne
Region 3, Lucerne: the sana24 Tel Care model from sana24 costs CHF 483.50 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 483.50, sana24 Tel Care 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, sana24 Tel Care costs CHF 504.00 less per year than sana24'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 483.50 | CHF 451.90 |
| 500 | CHF 471.80 | CHF 441.00 |
| 1'000 | CHF 442.70 | CHF 413.70 |
| 1'500 | CHF 413.50 | CHF 386.50 |
| 2'000 | CHF 384.30 | CHF 359.20 |
| 2'500 | CHF 355.20 | CHF 332.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 392.70 | CHF 367.00 |
| 500 | CHF 381.00 | CHF 356.10 |
| 1'000 | CHF 351.80 | CHF 328.80 |
| 1'500 | CHF 322.70 | CHF 301.60 |
| 2'000 | CHF 293.50 | CHF 274.30 |
| 2'500 | CHF 264.30 | CHF 247.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 135.60 | CHF 126.70 |
| 100 | CHF 129.70 | CHF 121.30 |
| 200 | CHF 123.90 | CHF 115.80 |
| 300 | CHF 118.10 | CHF 110.40 |
| 400 | CHF 112.20 | CHF 104.90 |
| 500 | CHF 106.40 | CHF 99.50 |
| 600 | CHF 100.60 | CHF 94.00 |
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.