BeneFit PLUS Flexmed R3 or Premed-24?
Helsana offers both: BeneFit PLUS Flexmed R3 and Premed-24. They are available together in 42 premium regions, and the cheaper of the two is not the same everywhere.
The cheaper one is not the same everywhere
Across 42 premium regions where both are offered, BeneFit PLUS Flexmed R3 is cheaper in 42 and Premed-24 in 0. The average gap between them is CHF 271.91 a year.
The gap is widest in Ticino — Region 1: CHF 358.80 a year.
What you accept in each case
BeneFit PLUS Flexmed R3 is a "Family doctor" model. Premed-24 is a "Telemedicine and others" model.
- BeneFit PLUS Flexmed R3
Family doctor
You pick a family doctor and always go to them first.
- Premed-24
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The comparison, region by region
- 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
- Zug
- Zurich — Region 1
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.