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BeneFit PLUS Médecin de famille R3 or Premed-24 — Obwalden

Obwalden: with Helsana, BeneFit PLUS Médecin de famille R3 costs CHF 444.40 a month in 2026 and Premed-24 CHF 464.60, 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 R3 is the cheaper of the two here: CHF 242.40 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 R3 is a "Family doctor" model. Premed-24 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.

  • 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 R3Premed-24Gap per year
300CHF 444.40CHF 464.60CHF 242.40
500CHF 432.80CHF 453.00CHF 242.40
1'000CHF 403.60CHF 423.80CHF 242.40
1'500CHF 374.40CHF 394.60CHF 242.40
2'000CHF 345.30CHF 365.50CHF 242.40
2'500CHF 316.10CHF 336.30CHF 242.40

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.