Visana Tel Care — Region 3, Lucerne
Region 3, Lucerne: the Tel Care model from Visana costs CHF 493.70 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 493.70, Tel Care is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Tel Care costs CHF 807.60 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 493.70 | CHF 461.50 |
| 500 | CHF 487.10 | CHF 455.20 |
| 1'000 | CHF 452.90 | CHF 423.30 |
| 1'500 | CHF 423.70 | CHF 396.00 |
| 2'000 | CHF 394.60 | CHF 368.80 |
| 2'500 | CHF 365.40 | CHF 341.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 369.30 | CHF 345.10 |
| 500 | CHF 362.60 | CHF 338.90 |
| 1'000 | CHF 328.40 | CHF 307.00 |
| 1'500 | CHF 299.30 | CHF 279.70 |
| 2'000 | CHF 270.10 | CHF 252.50 |
| 2'500 | CHF 240.90 | CHF 225.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 133.60 | CHF 124.90 |
| 100 | CHF 127.80 | CHF 119.40 |
| 200 | CHF 121.90 | CHF 114.00 |
| 300 | CHF 116.10 | CHF 108.50 |
| 400 | CHF 110.30 | CHF 103.10 |
| 500 | CHF 104.40 | CHF 97.60 |
| 600 | CHF 98.60 | CHF 92.20 |
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
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- 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.