BeneFit PLUS Médecin de famille R4 or BeneFit PLUS Telmed — Region 3, St. Gallen
Region 3, St. Gallen: with Helsana, BeneFit PLUS Médecin de famille R4 costs CHF 478.60 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.
BeneFit PLUS Telmed is the cheaper of the two here: CHF 189.60 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 478.60 | CHF 462.80 | CHF 189.60 |
| 500 | CHF 467.00 | CHF 451.20 | CHF 189.60 |
| 1'000 | CHF 437.80 | CHF 422.00 | CHF 189.60 |
| 1'500 | CHF 408.60 | CHF 392.80 | CHF 189.60 |
| 2'000 | CHF 379.50 | CHF 363.70 | CHF 189.60 |
| 2'500 | CHF 350.30 | CHF 334.50 | CHF 189.60 |
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
- 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.