sana24 Tel Doc — Region 3, Lucerne
Region 3, Lucerne: the Tel Doc model from sana24 costs CHF 488.70 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 488.70, Tel Doc 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, Tel Doc costs CHF 441.60 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 488.70 | CHF 456.80 |
| 500 | CHF 477.10 | CHF 445.90 |
| 1'000 | CHF 447.90 | CHF 418.60 |
| 1'500 | CHF 418.70 | CHF 391.40 |
| 2'000 | CHF 389.60 | CHF 364.10 |
| 2'500 | CHF 360.40 | CHF 336.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 396.90 | CHF 371.00 |
| 500 | CHF 385.30 | CHF 360.10 |
| 1'000 | CHF 356.10 | CHF 332.80 |
| 1'500 | CHF 326.90 | CHF 305.60 |
| 2'000 | CHF 297.80 | CHF 278.30 |
| 2'500 | CHF 268.60 | CHF 251.10 |
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
- 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 2
- 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.