Sanitas TelMed (Compact One) — Region 2, Lucerne
Region 2, Lucerne: the TelMed (Compact One) model from Sanitas costs CHF 459.00 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 459.00, TelMed (Compact One) 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, TelMed (Compact One) costs CHF 610.80 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 459.00 | CHF 427.40 |
| 500 | CHF 447.40 | CHF 416.60 |
| 1'000 | CHF 418.20 | CHF 389.40 |
| 1'500 | CHF 389.00 | CHF 362.20 |
| 2'000 | CHF 359.90 | CHF 335.10 |
| 2'500 | CHF 330.70 | CHF 307.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 328.10 | CHF 305.50 |
| 500 | CHF 316.50 | CHF 294.70 |
| 1'000 | CHF 287.30 | CHF 267.50 |
| 1'500 | CHF 258.10 | CHF 240.30 |
| 2'000 | CHF 229.00 | CHF 213.20 |
| 2'500 | CHF 199.80 | CHF 186.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 119.10 | CHF 110.90 |
| 100 | CHF 113.30 | CHF 105.50 |
| 200 | CHF 107.50 | CHF 100.10 |
| 300 | CHF 101.60 | CHF 94.60 |
| 400 | CHF 95.80 | CHF 89.20 |
| 500 | CHF 90.00 | CHF 83.80 |
| 600 | CHF 84.10 | CHF 78.30 |
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.