sana24 Tel Doc — Region 1, Lucerne
Region 1, Lucerne: the Tel Doc model from sana24 costs CHF 518.30 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 518.30, Tel Doc is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Tel Doc costs CHF 540.00 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 518.30 | CHF 484.40 |
| 500 | CHF 506.60 | CHF 473.50 |
| 1'000 | CHF 477.40 | CHF 446.20 |
| 1'500 | CHF 448.30 | CHF 419.00 |
| 2'000 | CHF 419.10 | CHF 391.70 |
| 2'500 | CHF 389.90 | CHF 364.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 420.90 | CHF 393.40 |
| 500 | CHF 409.20 | CHF 382.50 |
| 1'000 | CHF 380.10 | CHF 355.20 |
| 1'500 | CHF 350.90 | CHF 328.00 |
| 2'000 | CHF 321.70 | CHF 300.70 |
| 2'500 | CHF 292.60 | CHF 273.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 145.30 | CHF 135.80 |
| 100 | CHF 139.50 | CHF 130.40 |
| 200 | CHF 133.60 | CHF 124.90 |
| 300 | CHF 127.80 | CHF 119.50 |
| 400 | CHF 122.00 | CHF 114.00 |
| 500 | CHF 116.10 | CHF 108.60 |
| 600 | CHF 110.30 | CHF 103.10 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.