Helsana BeneFit PLUS Flexmed R3 — Region 3, Zurich
Region 3, Zurich: the BeneFit PLUS Flexmed R3 model from Helsana costs CHF 492.80 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 492.80, BeneFit PLUS Flexmed R3 is not the lowest premium here: Agrisano goes down to CHF 427.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, BeneFit PLUS Flexmed R3 costs CHF 806.40 less per year than Helsana's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 492.80 | CHF 458.40 |
| 500 | CHF 481.20 | CHF 447.60 |
| 1'000 | CHF 452.00 | CHF 420.40 |
| 1'500 | CHF 422.80 | CHF 393.30 |
| 2'000 | CHF 393.70 | CHF 366.20 |
| 2'500 | CHF 364.50 | CHF 339.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 394.20 | CHF 366.70 |
| 500 | CHF 382.60 | CHF 355.90 |
| 1'000 | CHF 353.40 | CHF 328.70 |
| 1'500 | CHF 324.20 | CHF 301.60 |
| 2'000 | CHF 295.10 | CHF 274.50 |
| 2'500 | CHF 265.90 | CHF 247.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.30 | CHF 105.40 |
| 500 | CHF 84.20 | CHF 78.40 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.