BeneFit PLUS Médecin de famille R3 or BeneFit PLUS Telmed — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with Helsana, BeneFit PLUS Médecin de famille R3 costs CHF 484.80 a month in 2026 and BeneFit PLUS Telmed CHF 468.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
BeneFit PLUS Telmed is the cheaper of the two here: CHF 198.00 saved per year against BeneFit PLUS Médecin de famille R3, 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 R3 is a "Family doctor" model. BeneFit PLUS Telmed is a "Telemedicine and others" model.
- BeneFit PLUS Médecin de famille R3
Family doctor
You pick a family doctor and always go to them first.
- BeneFit PLUS Telmed
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | BeneFit PLUS Médecin de famille R3 | BeneFit PLUS Telmed | Gap per year |
|---|---|---|---|
| 300 | CHF 484.80 | CHF 468.30 | CHF 198.00 |
| 500 | CHF 473.20 | CHF 456.70 | CHF 198.00 |
| 1'000 | CHF 444.00 | CHF 427.50 | CHF 198.00 |
| 1'500 | CHF 414.80 | CHF 398.30 | CHF 198.00 |
| 2'000 | CHF 385.70 | CHF 369.20 | CHF 198.00 |
| 2'500 | CHF 356.50 | CHF 340.00 | CHF 198.00 |
The comparison, region by region
- BeneFit PLUS Médecin de famille R3 or BeneFit PLUS Telmed?
- Aargau
- Appenzell Innerrhoden
- 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
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.