Combi Care or Managed Care — Region 1, Bern
Region 1, Bern: with Galenos, Combi Care costs CHF 645.80 a month in 2026 and Managed Care CHF 630.20, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Managed Care is the cheaper of the two here: CHF 187.20 saved per year against Combi Care, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Combi Care is a "Telemedicine and others" model. Managed Care is a "Group practice (HMO)" model.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Managed Care
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The price at every deductible
| Deductible | Combi Care | Managed Care | Gap per year |
|---|---|---|---|
| 300 | CHF 645.80 | CHF 630.20 | CHF 187.20 |
| 500 | CHF 634.20 | CHF 618.50 | CHF 188.40 |
| 1'000 | CHF 605.00 | CHF 589.30 | CHF 188.40 |
| 1'500 | CHF 575.80 | CHF 560.20 | CHF 187.20 |
| 2'000 | CHF 546.70 | CHF 531.00 | CHF 188.40 |
| 2'500 | CHF 517.50 | CHF 501.80 | CHF 188.40 |
The comparison, region by region
- Combi Care or Managed Care?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — 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.