BeneFit PLUS Flexmed R3 or BeneFit PLUS Médecin de famille R1 — Region 3, Lucerne
Region 3, Lucerne: with Helsana, BeneFit PLUS Flexmed R3 costs CHF 471.60 a month in 2026 and BeneFit PLUS Médecin de famille R1 CHF 460.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
BeneFit PLUS Médecin de famille R1 is the cheaper of the two here: CHF 128.40 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 R3 and BeneFit PLUS Médecin de famille R1 are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- BeneFit PLUS Flexmed R3
Family doctor
You pick a family doctor and always go to them first.
- BeneFit PLUS Médecin de famille R1
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | BeneFit PLUS Flexmed R3 | BeneFit PLUS Médecin de famille R1 | Gap per year |
|---|---|---|---|
| 300 | CHF 471.60 | CHF 460.90 | CHF 128.40 |
| 500 | CHF 460.00 | CHF 449.30 | CHF 128.40 |
| 1'000 | CHF 430.80 | CHF 420.10 | CHF 128.40 |
| 1'500 | CHF 401.60 | CHF 390.90 | CHF 128.40 |
| 2'000 | CHF 372.50 | CHF 361.80 | CHF 128.40 |
| 2'500 | CHF 343.30 | CHF 332.60 | CHF 128.40 |
The comparison, region by region
- BeneFit PLUS Flexmed R3 or BeneFit PLUS Médecin de famille R1?
- 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.