sana24 Tel Doc — Region 2, Lucerne
Region 2, Lucerne: the Tel Doc model from sana24 costs CHF 505.90 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 505.90, Tel Doc is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Tel Doc costs CHF 457.20 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 505.90 | CHF 472.90 |
| 500 | CHF 494.30 | CHF 462.00 |
| 1'000 | CHF 465.10 | CHF 434.70 |
| 1'500 | CHF 435.90 | CHF 407.50 |
| 2'000 | CHF 406.80 | CHF 380.20 |
| 2'500 | CHF 377.60 | CHF 352.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 410.90 | CHF 384.00 |
| 500 | CHF 399.20 | CHF 373.10 |
| 1'000 | CHF 370.10 | CHF 345.90 |
| 1'500 | CHF 340.90 | CHF 318.60 |
| 2'000 | CHF 311.70 | CHF 291.40 |
| 2'500 | CHF 282.60 | CHF 264.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 140.30 | CHF 131.20 |
| 100 | CHF 134.50 | CHF 125.70 |
| 200 | CHF 128.70 | CHF 120.30 |
| 300 | CHF 122.80 | CHF 114.80 |
| 400 | CHF 117.00 | CHF 109.40 |
| 500 | CHF 111.20 | CHF 103.90 |
| 600 | CHF 105.30 | CHF 98.50 |
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 1
- 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.