BeneFit PLUS Flexmed R1 or BeneFit PLUS Flexmed R3 — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with Helsana, BeneFit PLUS Flexmed R1 costs CHF 468.30 a month in 2026 and BeneFit PLUS Flexmed R3 CHF 484.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
BeneFit PLUS Flexmed R1 is the cheaper of the two here: CHF 198.00 saved per year against BeneFit PLUS Flexmed R3, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
BeneFit PLUS Flexmed R1 and BeneFit PLUS Flexmed R3 are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- BeneFit PLUS Flexmed R1
Family doctor
You pick a family doctor and always go to them first.
- BeneFit PLUS Flexmed R3
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | BeneFit PLUS Flexmed R1 | BeneFit PLUS Flexmed R3 | Gap per year |
|---|---|---|---|
| 300 | CHF 468.30 | CHF 484.80 | CHF 198.00 |
| 500 | CHF 456.70 | CHF 473.20 | CHF 198.00 |
| 1'000 | CHF 427.50 | CHF 444.00 | CHF 198.00 |
| 1'500 | CHF 398.30 | CHF 414.80 | CHF 198.00 |
| 2'000 | CHF 369.20 | CHF 385.70 | CHF 198.00 |
| 2'500 | CHF 340.00 | CHF 356.50 | CHF 198.00 |
The comparison, region by region
- BeneFit PLUS Flexmed R1 or BeneFit PLUS Flexmed R3?
- Aargau
- Appenzell Innerrhoden
- 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
- 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.