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BeneFit PLUS Flexmed R3 or Premed-24 — Region 1, Valais

Region 1, Valais: with Helsana, BeneFit PLUS Flexmed R3 costs CHF 521.80 a month in 2026 and Premed-24 CHF 545.50, 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 284.40 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 521.80CHF 545.50CHF 284.40
500CHF 510.20CHF 533.90CHF 284.40
1'000CHF 481.00CHF 504.70CHF 284.40
1'500CHF 451.80CHF 475.50CHF 284.40
2'000CHF 422.70CHF 446.40CHF 284.40
2'500CHF 393.50CHF 417.20CHF 284.40

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.