BeneFit PLUS Flexmed R3 or BeneFit PLUS Telmed — Region 3, Grisons
Region 3, Grisons: with Helsana, BeneFit PLUS Flexmed R3 costs CHF 468.10 a month in 2026 and BeneFit PLUS Telmed CHF 441.80, 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 315.60 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
| Deductible | BeneFit PLUS Flexmed R3 | BeneFit PLUS Telmed | Gap per year |
|---|---|---|---|
| 300 | CHF 468.10 | CHF 441.80 | CHF 315.60 |
| 500 | CHF 456.50 | CHF 430.20 | CHF 315.60 |
| 1'000 | CHF 427.30 | CHF 401.00 | CHF 315.60 |
| 1'500 | CHF 398.10 | CHF 371.80 | CHF 315.60 |
| 2'000 | CHF 369.00 | CHF 342.70 | CHF 315.60 |
| 2'500 | CHF 339.80 | CHF 313.50 | CHF 315.60 |
The comparison, region by region
- BeneFit PLUS Flexmed R3 or BeneFit PLUS Telmed?
- 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
- 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.