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BeneFit PLUS Flexmed R3 or Premed-24 — Region 1, St. Gallen

Region 1, St. Gallen: with Helsana, BeneFit PLUS Flexmed R3 costs CHF 500.70 a month in 2026 and Premed-24 CHF 523.40, 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 272.40 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 500.70CHF 523.40CHF 272.40
500CHF 489.10CHF 511.80CHF 272.40
1'000CHF 459.90CHF 482.60CHF 272.40
1'500CHF 430.70CHF 453.40CHF 272.40
2'000CHF 401.60CHF 424.30CHF 272.40
2'500CHF 372.40CHF 395.10CHF 272.40

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.