BeneFit PLUS Flexmed R1 or Premed-24 — Region 3, Lucerne
Region 3, Lucerne: with Helsana, BeneFit PLUS Flexmed R1 costs CHF 460.90 a month in 2026 and Premed-24 CHF 493.10, 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 386.40 saved per year against Premed-24, 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. Premed-24 is a "Telemedicine and others" model.
- BeneFit PLUS Flexmed R1
Family doctor
You pick a family doctor and always go to them first.
- Premed-24
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 | Premed-24 | Gap per year |
|---|---|---|---|
| 300 | CHF 460.90 | CHF 493.10 | CHF 386.40 |
| 500 | CHF 449.30 | CHF 481.50 | CHF 386.40 |
| 1'000 | CHF 420.10 | CHF 452.30 | CHF 386.40 |
| 1'500 | CHF 390.90 | CHF 423.10 | CHF 386.40 |
| 2'000 | CHF 361.80 | CHF 394.00 | CHF 386.40 |
| 2'500 | CHF 332.60 | CHF 364.80 | CHF 386.40 |
The comparison, region by region
- BeneFit PLUS Flexmed R1 or Premed-24?
- 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
- 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.