Sumiswalder Telmed — Obwalden
Obwalden: the Telmed model from Sumiswalder costs CHF 439.20 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 439.20, Telmed is not the lowest premium here: Agrisano goes down to CHF 382.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Telmed costs CHF 457.20 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 439.20 | CHF 408.50 |
| 500 | CHF 428.40 | CHF 398.50 |
| 1'000 | CHF 401.60 | CHF 373.50 |
| 1'500 | CHF 374.80 | CHF 348.60 |
| 2'000 | CHF 348.00 | CHF 323.70 |
| 2'500 | CHF 321.20 | CHF 298.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 325.10 | CHF 302.30 |
| 500 | CHF 314.30 | CHF 292.30 |
| 1'000 | CHF 287.50 | CHF 267.40 |
| 1'500 | CHF 260.70 | CHF 242.50 |
| 2'000 | CHF 233.90 | CHF 217.60 |
| 2'500 | CHF 207.20 | CHF 192.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 101.60 | CHF 94.50 |
| 100 | CHF 96.20 | CHF 89.50 |
| 200 | CHF 90.90 | CHF 84.60 |
| 300 | CHF 85.40 | CHF 79.50 |
| 400 | CHF 80.10 | CHF 74.50 |
| 500 | CHF 74.80 | CHF 69.60 |
| 600 | CHF 69.30 | CHF 64.50 |
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 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- 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.