BeneFit PLUS Flexmed R3 or BeneFit PLUS Médecin de famille R4 — Zug
Zug: with Helsana, BeneFit PLUS Flexmed R3 costs CHF 378.40 a month in 2026 and BeneFit PLUS Médecin de famille R4 CHF 391.30, 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 154.80 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 378.40 | CHF 391.30 | CHF 154.80 |
| 500 | CHF 366.80 | CHF 379.70 | CHF 154.80 |
| 1'000 | CHF 337.60 | CHF 350.50 | CHF 154.80 |
| 1'500 | CHF 308.40 | CHF 321.30 | CHF 154.80 |
| 2'000 | CHF 279.30 | CHF 292.20 | CHF 154.80 |
| 2'500 | CHF 250.10 | CHF 263.00 | CHF 154.80 |
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 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
- 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.