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BeneFit PLUS Flexmed R3 or Premed-24 — Region 2, Zurich

Region 2, Zurich: with Helsana, BeneFit PLUS Flexmed R3 costs CHF 523.60 a month in 2026 and Premed-24 CHF 547.40, 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 285.60 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 523.60CHF 547.40CHF 285.60
500CHF 512.00CHF 535.80CHF 285.60
1'000CHF 482.80CHF 506.60CHF 285.60
1'500CHF 453.60CHF 477.40CHF 285.60
2'000CHF 424.50CHF 448.30CHF 285.60
2'500CHF 395.30CHF 419.10CHF 285.60

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.