Med Direct or Tel Doc — Region 2, Bern
Region 2, Bern: with Galenos, Med Direct costs CHF 569.70 a month in 2026 and Tel Doc CHF 569.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Tel Doc is the cheaper of the two here: CHF 7.20 saved per year against Med Direct, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Med Direct is a "Family doctor" model. Tel Doc is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- 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 | Med Direct | Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 569.70 | CHF 569.10 | CHF 7.20 |
| 500 | CHF 558.00 | CHF 557.40 | CHF 7.20 |
| 1'000 | CHF 528.90 | CHF 528.30 | CHF 7.20 |
| 1'500 | CHF 499.70 | CHF 499.10 | CHF 7.20 |
| 2'000 | CHF 470.50 | CHF 469.90 | CHF 7.20 |
| 2'500 | CHF 441.40 | CHF 440.80 | CHF 7.20 |
The comparison, region by region
- Med Direct or Tel Doc?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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.