Visana Visana Tel Doc — Region 3, Lucerne
Region 3, Lucerne: the Visana Tel Doc 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, Visana Tel Doc 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, Visana Tel Doc 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 369.70 | CHF 345.50 |
| 500 | CHF 363.00 | CHF 339.30 |
| 1'000 | CHF 328.80 | CHF 307.30 |
| 1'500 | CHF 299.70 | CHF 280.10 |
| 2'000 | CHF 270.50 | CHF 252.80 |
| 2'500 | CHF 241.30 | CHF 225.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 118.80 | CHF 111.10 |
| 100 | CHF 113.00 | CHF 105.60 |
| 200 | CHF 107.10 | CHF 100.10 |
| 300 | CHF 101.30 | CHF 94.70 |
| 400 | CHF 95.50 | CHF 89.20 |
| 500 | CHF 89.60 | CHF 83.80 |
| 600 | CHF 83.80 | CHF 78.30 |
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.