CareMed or FlexCare — Region 1, Bern

Region 1, Bern: with Atupri, CareMed costs CHF 590.40 a month in 2026 and FlexCare CHF 615.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

CareMed is the cheaper of the two here: CHF 303.60 saved per year against FlexCare, for cover identical under the law. What you pay more or less for is the care pathway.

What you accept in each case

CareMed is a "Family doctor" model. FlexCare is a "Telemedicine and others" model.

CareMed
Family doctor
You pick a family doctor and always go to them first.
FlexCare
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

Deductible	CareMed	FlexCare	Gap per year
300	CHF 590.40	CHF 615.70	CHF 303.60
500	CHF 578.80	CHF 604.10	CHF 303.60
1'000	CHF 549.60	CHF 574.90	CHF 303.60
1'500	CHF 520.40	CHF 545.70	CHF 303.60
2'000	CHF 491.30	CHF 516.60	CHF 303.60
2'500	CHF 462.10	CHF 487.40	CHF 303.60

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.