Sumiswalder Telmed — Appenzell Innerrhoden
Appenzell Innerrhoden: the Telmed model from Sumiswalder costs CHF 412.00 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 412.00, Telmed is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Telmed costs CHF 429.60 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 412.00 | CHF 383.20 |
| 500 | CHF 401.20 | CHF 373.20 |
| 1'000 | CHF 374.40 | CHF 348.20 |
| 1'500 | CHF 347.60 | CHF 323.30 |
| 2'000 | CHF 320.80 | CHF 298.40 |
| 2'500 | CHF 297.00 | CHF 276.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 300.80 | CHF 279.70 |
| 500 | CHF 290.00 | CHF 269.70 |
| 1'000 | CHF 263.20 | CHF 244.80 |
| 1'500 | CHF 236.40 | CHF 219.90 |
| 2'000 | CHF 209.60 | CHF 195.00 |
| 2'500 | CHF 185.80 | CHF 172.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 94.80 | CHF 88.20 |
| 100 | CHF 89.40 | CHF 83.20 |
| 200 | CHF 84.10 | CHF 78.30 |
| 300 | CHF 78.60 | CHF 73.10 |
| 400 | CHF 73.30 | CHF 68.20 |
| 500 | CHF 68.00 | CHF 63.30 |
| 600 | CHF 62.50 | CHF 58.20 |
The price, region by region
- Aargau
- 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
- 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.