Combi Care or Tel Doc — Region 3, Bern
Region 3, Bern: with Galenos, Combi Care costs CHF 507.20 a month in 2026 and Tel Doc CHF 528.20, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Combi Care is the cheaper of the two here: CHF 252.00 saved per year against Tel Doc, 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 and Tel Doc are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Tel Doc
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 | Combi Care | Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 507.20 | CHF 528.20 | CHF 252.00 |
| 500 | CHF 495.50 | CHF 516.50 | CHF 252.00 |
| 1'000 | CHF 466.30 | CHF 487.40 | CHF 253.20 |
| 1'500 | CHF 437.20 | CHF 458.20 | CHF 252.00 |
| 2'000 | CHF 408.00 | CHF 429.00 | CHF 252.00 |
| 2'500 | CHF 378.80 | CHF 399.90 | CHF 253.20 |
The comparison, region by region
- Combi Care or Tel Doc?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.