BeneFit PLUS Flexmed R1 or BeneFit PLUS Flexmed R3 — Appenzell Innerrhoden
Appenzell Innerrhoden: with Helsana, BeneFit PLUS Flexmed R1 costs CHF 419.90 a month in 2026 and BeneFit PLUS Flexmed R3 CHF 434.70, 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 177.60 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 419.90 | CHF 434.70 | CHF 177.60 |
| 500 | CHF 408.30 | CHF 423.10 | CHF 177.60 |
| 1'000 | CHF 379.10 | CHF 393.90 | CHF 177.60 |
| 1'500 | CHF 349.90 | CHF 364.70 | CHF 177.60 |
| 2'000 | CHF 320.80 | CHF 335.60 | CHF 177.60 |
| 2'500 | CHF 291.60 | CHF 306.40 | CHF 177.60 |
The comparison, region by region
- BeneFit PLUS Flexmed R1 or BeneFit PLUS Flexmed R3?
- Aargau
- Appenzell Ausserrhoden
- 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.