BeneFit PLUS Flexmed R3 or BeneFit PLUS Telmed — Region 2, Schaffhausen
Region 2, Schaffhausen: with Helsana, BeneFit PLUS Flexmed R3 costs CHF 514.40 a month in 2026 and BeneFit PLUS Telmed CHF 491.30, 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 277.20 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 514.40 | CHF 491.30 | CHF 277.20 |
| 500 | CHF 502.80 | CHF 479.70 | CHF 277.20 |
| 1'000 | CHF 473.60 | CHF 450.50 | CHF 277.20 |
| 1'500 | CHF 444.40 | CHF 421.30 | CHF 277.20 |
| 2'000 | CHF 415.30 | CHF 392.20 | CHF 277.20 |
| 2'500 | CHF 386.10 | CHF 363.00 | CHF 277.20 |
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
- 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
- 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.