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BeneFit PLUS Flexmed R3 or Premed-24 — Appenzell Innerrhoden

Appenzell Innerrhoden: with Helsana, BeneFit PLUS Flexmed R3 costs CHF 434.70 a month in 2026 and Premed-24 CHF 454.40, 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 236.40 saved per year against Premed-24, 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. 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 price at every deductible

DeductibleBeneFit PLUS Flexmed R3Premed-24Gap per year
300CHF 434.70CHF 454.40CHF 236.40
500CHF 423.10CHF 442.80CHF 236.40
1'000CHF 393.90CHF 413.60CHF 236.40
1'500CHF 364.70CHF 384.40CHF 236.40
2'000CHF 335.60CHF 355.30CHF 236.40
2'500CHF 306.40CHF 326.10CHF 236.40

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.