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

Region 1, Zurich: with Helsana, BeneFit PLUS Flexmed R3 costs CHF 565.80 a month in 2026 and Premed-24 CHF 591.50, 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 308.40 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 565.80CHF 591.50CHF 308.40
500CHF 554.20CHF 579.90CHF 308.40
1'000CHF 525.00CHF 550.70CHF 308.40
1'500CHF 495.80CHF 521.50CHF 308.40
2'000CHF 466.70CHF 492.40CHF 308.40
2'500CHF 437.50CHF 463.20CHF 308.40

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.