BeneFit PLUS Flexmed R3 or BeneFit PLUS Médecin de famille R2 — Appenzell Innerrhoden
Appenzell Innerrhoden: with Helsana, BeneFit PLUS Flexmed R3 costs CHF 434.70 a month in 2026 and BeneFit PLUS Médecin de famille R2 CHF 429.70, 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 R2 is the cheaper of the two here: CHF 60.00 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 R2 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 R2
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 R2 | Gap per year |
|---|---|---|---|
| 300 | CHF 434.70 | CHF 429.70 | CHF 60.00 |
| 500 | CHF 423.10 | CHF 418.10 | CHF 60.00 |
| 1'000 | CHF 393.90 | CHF 388.90 | CHF 60.00 |
| 1'500 | CHF 364.70 | CHF 359.70 | CHF 60.00 |
| 2'000 | CHF 335.60 | CHF 330.60 | CHF 60.00 |
| 2'500 | CHF 306.40 | CHF 301.40 | CHF 60.00 |
The comparison, region by region
- BeneFit PLUS Flexmed R3 or BeneFit PLUS Médecin de famille R2?
- 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.