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BeneFit PLUS Flexmed R3 or BeneFit PLUS Telmed — Region 2, Grisons

Region 2, Grisons: with Helsana, BeneFit PLUS Flexmed R3 costs CHF 474.30 a month in 2026 and BeneFit PLUS Telmed CHF 453.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

BeneFit PLUS Telmed is the cheaper of the two here: CHF 255.60 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 is a "Family doctor" model. BeneFit PLUS Telmed is a "Telemedicine and others" model.

  • BeneFit PLUS Flexmed R3

    Family doctor

    You pick a family doctor and always go to them first.

  • BeneFit PLUS Telmed

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleBeneFit PLUS Flexmed R3BeneFit PLUS TelmedGap per year
300CHF 474.30CHF 453.00CHF 255.60
500CHF 462.70CHF 441.40CHF 255.60
1'000CHF 433.50CHF 412.20CHF 255.60
1'500CHF 404.30CHF 383.00CHF 255.60
2'000CHF 375.20CHF 353.90CHF 255.60
2'500CHF 346.00CHF 324.70CHF 255.60

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.