BeneFit PLUS Flexmed R3 or BeneFit PLUS Médecin de famille R4 — Region 1, Schaffhausen
Region 1, Schaffhausen: with Helsana, BeneFit PLUS Flexmed R3 costs CHF 491.90 a month in 2026 and BeneFit PLUS Médecin de famille R4 CHF 508.60, 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 491.90 | CHF 508.60 | CHF 200.40 |
| 500 | CHF 480.30 | CHF 497.00 | CHF 200.40 |
| 1'000 | CHF 451.10 | CHF 467.80 | CHF 200.40 |
| 1'500 | CHF 421.90 | CHF 438.60 | CHF 200.40 |
| 2'000 | CHF 392.80 | CHF 409.50 | CHF 200.40 |
| 2'500 | CHF 363.60 | CHF 380.30 | 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 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 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.