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BeneFit PLUS Médecin de famille R2 or Premed-24 — Region 1, Lucerne

Region 1, Lucerne: with Helsana, BeneFit PLUS Médecin de famille R2 costs CHF 483.30 a month in 2026 and Premed-24 CHF 517.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

BeneFit PLUS Médecin de famille R2 is the cheaper of the two here: CHF 404.40 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 Médecin de famille R2 is a "Family doctor" model. Premed-24 is a "Telemedicine and others" model.

  • BeneFit PLUS Médecin de famille R2

    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 Médecin de famille R2Premed-24Gap per year
300CHF 483.30CHF 517.00CHF 404.40
500CHF 471.70CHF 505.40CHF 404.40
1'000CHF 442.50CHF 476.20CHF 404.40
1'500CHF 413.30CHF 447.00CHF 404.40
2'000CHF 384.20CHF 417.90CHF 404.40
2'500CHF 355.00CHF 388.70CHF 404.40

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.