BeneFit PLUS Médecin de famille R3 or BeneFit PLUS Telmed — Region 3, St. Gallen
Region 3, St. Gallen: with Helsana, BeneFit PLUS Médecin de famille R3 costs CHF 462.80 a month in 2026 and BeneFit PLUS Telmed CHF 462.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here BeneFit PLUS Médecin de famille R3 and BeneFit PLUS Telmed cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
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 462.80 | CHF 462.80 | — |
| 500 | CHF 451.20 | CHF 451.20 | — |
| 1'000 | CHF 422.00 | CHF 422.00 | — |
| 1'500 | CHF 392.80 | CHF 392.80 | — |
| 2'000 | CHF 363.70 | CHF 363.70 | — |
| 2'500 | CHF 334.50 | CHF 334.50 | — |
The comparison, region by region
- BeneFit PLUS Médecin de famille R3 or BeneFit PLUS Telmed?
- 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
- 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.