Sanitas TelMed (CallMed) — Region 3, Lucerne
Region 3, Lucerne: the TelMed (CallMed) model from Sanitas costs CHF 459.20 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 459.20, TelMed (CallMed) 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, TelMed (CallMed) costs CHF 414.00 less per year than Sanitas'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 459.20 | CHF 427.60 |
| 500 | CHF 447.60 | CHF 416.80 |
| 1'000 | CHF 418.40 | CHF 389.60 |
| 1'500 | CHF 389.20 | CHF 362.40 |
| 2'000 | CHF 360.10 | CHF 335.30 |
| 2'500 | CHF 330.90 | CHF 308.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 320.90 | CHF 298.80 |
| 500 | CHF 309.30 | CHF 288.00 |
| 1'000 | CHF 280.10 | CHF 260.80 |
| 1'500 | CHF 250.90 | CHF 233.60 |
| 2'000 | CHF 221.80 | CHF 206.50 |
| 2'500 | CHF 192.60 | CHF 179.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 116.40 | CHF 108.40 |
| 100 | CHF 110.60 | CHF 103.00 |
| 200 | CHF 104.80 | CHF 97.60 |
| 300 | CHF 98.90 | CHF 92.10 |
| 400 | CHF 93.10 | CHF 86.70 |
| 500 | CHF 87.30 | CHF 81.30 |
| 600 | CHF 81.40 | CHF 75.80 |
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.