Sumiswalder Telmed — Region 1, Lucerne
Region 1, Lucerne: the Telmed model from Sumiswalder costs CHF 504.50 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 504.50, Telmed is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Telmed costs CHF 525.60 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 504.50 | CHF 469.20 |
| 500 | CHF 493.70 | CHF 459.20 |
| 1'000 | CHF 466.90 | CHF 434.30 |
| 1'500 | CHF 440.10 | CHF 409.30 |
| 2'000 | CHF 413.30 | CHF 384.40 |
| 2'500 | CHF 386.50 | CHF 359.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 373.30 | CHF 347.20 |
| 500 | CHF 362.50 | CHF 337.20 |
| 1'000 | CHF 335.80 | CHF 312.30 |
| 1'500 | CHF 308.90 | CHF 287.30 |
| 2'000 | CHF 282.10 | CHF 262.40 |
| 2'500 | CHF 255.30 | CHF 237.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 116.20 | CHF 108.10 |
| 100 | CHF 110.80 | CHF 103.10 |
| 200 | CHF 105.50 | CHF 98.20 |
| 300 | CHF 100.00 | CHF 93.00 |
| 400 | CHF 94.70 | CHF 88.10 |
| 500 | CHF 89.40 | CHF 83.20 |
| 600 | CHF 83.90 | CHF 78.10 |
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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- 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.