Visana Tel Care — Appenzell Innerrhoden
Appenzell Innerrhoden: the Tel Care model from Visana costs CHF 409.20 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 409.20, Tel Care 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, Tel Care costs CHF 799.20 less per year than Visana'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 409.20 | CHF 382.50 |
| 500 | CHF 402.60 | CHF 376.30 |
| 1'000 | CHF 368.40 | CHF 344.30 |
| 1'500 | CHF 339.20 | CHF 317.10 |
| 2'000 | CHF 310.10 | CHF 289.80 |
| 2'500 | CHF 280.90 | CHF 262.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 308.60 | CHF 288.40 |
| 500 | CHF 301.90 | CHF 282.20 |
| 1'000 | CHF 267.70 | CHF 250.20 |
| 1'500 | CHF 238.60 | CHF 223.00 |
| 2'000 | CHF 209.40 | CHF 195.70 |
| 2'500 | CHF 180.20 | CHF 168.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 101.90 | CHF 95.30 |
| 100 | CHF 96.10 | CHF 89.90 |
| 200 | CHF 90.30 | CHF 84.40 |
| 300 | CHF 84.40 | CHF 78.90 |
| 400 | CHF 78.60 | CHF 73.50 |
| 500 | CHF 72.80 | CHF 68.00 |
| 600 | CHF 66.90 | CHF 62.60 |
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
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- 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.