BeneFit PLUS Flexmed R1 or BeneFit PLUS Telmed — Region 2, St. Gallen
Region 2, St. Gallen: with Helsana, BeneFit PLUS Flexmed R1 costs CHF 458.60 a month in 2026 and BeneFit PLUS Telmed CHF 480.40, 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 261.60 saved per year against BeneFit PLUS Telmed, 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 is a "Family doctor" model. BeneFit PLUS Telmed is a "Telemedicine and others" model.
- BeneFit PLUS Flexmed R1
Family doctor
You pick a family doctor and always go to them first.
- BeneFit PLUS Telmed
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 | BeneFit PLUS Flexmed R1 | BeneFit PLUS Telmed | Gap per year |
|---|---|---|---|
| 300 | CHF 458.60 | CHF 480.40 | CHF 261.60 |
| 500 | CHF 447.00 | CHF 468.80 | CHF 261.60 |
| 1'000 | CHF 417.80 | CHF 439.60 | CHF 261.60 |
| 1'500 | CHF 388.60 | CHF 410.40 | CHF 261.60 |
| 2'000 | CHF 359.50 | CHF 381.30 | CHF 261.60 |
| 2'500 | CHF 330.30 | CHF 352.10 | CHF 261.60 |
The comparison, region by region
- BeneFit PLUS Flexmed R1 or BeneFit PLUS Telmed?
- 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 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- 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.