Sumiswalder Telmed — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the Telmed model from Sumiswalder costs CHF 471.80 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 471.80, Telmed is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Telmed costs CHF 492.00 less per year than Sumiswalder'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 471.80 | CHF 439.20 |
| 500 | CHF 461.00 | CHF 429.20 |
| 1'000 | CHF 434.20 | CHF 404.30 |
| 1'500 | CHF 407.40 | CHF 379.30 |
| 2'000 | CHF 380.60 | CHF 354.40 |
| 2'500 | CHF 353.80 | CHF 329.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 346.60 | CHF 322.70 |
| 500 | CHF 335.80 | CHF 312.70 |
| 1'000 | CHF 309.00 | CHF 287.70 |
| 1'500 | CHF 282.20 | CHF 262.80 |
| 2'000 | CHF 255.40 | CHF 237.80 |
| 2'500 | CHF 228.60 | CHF 212.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 109.60 | CHF 102.10 |
| 100 | CHF 104.20 | CHF 97.10 |
| 200 | CHF 98.90 | CHF 92.10 |
| 300 | CHF 93.40 | CHF 87.00 |
| 400 | CHF 88.10 | CHF 82.10 |
| 500 | CHF 82.80 | CHF 77.10 |
| 600 | CHF 77.30 | CHF 72.00 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Valais — Region 1
- Valais — Region 2
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.