BeneFit PLUS Flexmed R3 or BeneFit PLUS Médecin de famille R2 — Region 3, St. Gallen
Region 3, St. Gallen: with Helsana, BeneFit PLUS Flexmed R3 costs CHF 462.80 a month in 2026 and BeneFit PLUS Médecin de famille R2 CHF 447.10, 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 188.40 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 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 462.80 | CHF 447.10 | CHF 188.40 |
| 500 | CHF 451.20 | CHF 435.50 | CHF 188.40 |
| 1'000 | CHF 422.00 | CHF 406.30 | CHF 188.40 |
| 1'500 | CHF 392.80 | CHF 377.10 | CHF 188.40 |
| 2'000 | CHF 363.70 | CHF 348.00 | CHF 188.40 |
| 2'500 | CHF 334.50 | CHF 318.80 | CHF 188.40 |
The comparison, region by region
- BeneFit PLUS Flexmed R3 or BeneFit PLUS Médecin de famille R2?
- 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 2
- 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.