BeneFit PLUS Flexmed R3 or BeneFit PLUS Médecin de famille R4 — Region 1, Grisons
Region 1, Grisons: with Helsana, BeneFit PLUS Flexmed R3 costs CHF 490.10 a month in 2026 and BeneFit PLUS Médecin de famille R4 CHF 506.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
BeneFit PLUS Flexmed R3 is the cheaper of the two here: CHF 200.40 saved per year against BeneFit PLUS Médecin de famille R4, 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 R4 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 R4
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 R4 | Gap per year |
|---|---|---|---|
| 300 | CHF 490.10 | CHF 506.80 | CHF 200.40 |
| 500 | CHF 478.50 | CHF 495.20 | CHF 200.40 |
| 1'000 | CHF 449.30 | CHF 466.00 | CHF 200.40 |
| 1'500 | CHF 420.10 | CHF 436.80 | CHF 200.40 |
| 2'000 | CHF 391.00 | CHF 407.70 | CHF 200.40 |
| 2'500 | CHF 361.80 | CHF 378.50 | CHF 200.40 |
The comparison, region by region
- BeneFit PLUS Flexmed R3 or BeneFit PLUS Médecin de famille R4?
- 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 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.