BeneFit PLUS Médecin de famille R4 or BeneFit PLUS Telmed — Obwalden
Obwalden: with Helsana, BeneFit PLUS Médecin de famille R4 costs CHF 459.50 a month in 2026 and BeneFit PLUS Telmed CHF 429.20, 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 363.60 saved per year against BeneFit PLUS Médecin de famille R4, 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 R4 is a "Family doctor" model. BeneFit PLUS Telmed is a "Telemedicine and others" model.
- BeneFit PLUS Médecin de famille R4
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 R4 | BeneFit PLUS Telmed | Gap per year |
|---|---|---|---|
| 300 | CHF 459.50 | CHF 429.20 | CHF 363.60 |
| 500 | CHF 447.90 | CHF 417.60 | CHF 363.60 |
| 1'000 | CHF 418.70 | CHF 388.40 | CHF 363.60 |
| 1'500 | CHF 389.50 | CHF 359.20 | CHF 363.60 |
| 2'000 | CHF 360.40 | CHF 330.10 | CHF 363.60 |
| 2'500 | CHF 331.20 | CHF 300.90 | CHF 363.60 |
The comparison, region by region
- BeneFit PLUS Médecin de famille R4 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
- 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.