BeneFit PLUS Flexmed R1 or BeneFit PLUS Médecin de famille R3 — Region 1, Lucerne
Region 1, Lucerne: with Helsana, BeneFit PLUS Flexmed R1 costs CHF 472.00 a month in 2026 and BeneFit PLUS Médecin de famille R3 CHF 494.50, 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 270.00 saved per year against BeneFit PLUS Médecin de famille 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 Médecin de famille 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 Médecin de famille 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 Médecin de famille R3 | Gap per year |
|---|---|---|---|
| 300 | CHF 472.00 | CHF 494.50 | CHF 270.00 |
| 500 | CHF 460.40 | CHF 482.90 | CHF 270.00 |
| 1'000 | CHF 431.20 | CHF 453.70 | CHF 270.00 |
| 1'500 | CHF 402.00 | CHF 424.50 | CHF 270.00 |
| 2'000 | CHF 372.90 | CHF 395.40 | CHF 270.00 |
| 2'500 | CHF 343.70 | CHF 366.20 | CHF 270.00 |
The comparison, region by region
- BeneFit PLUS Flexmed R1 or BeneFit PLUS Médecin de famille R3?
- Aargau
- Appenzell Innerrhoden
- 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 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.