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BeneFit PLUS Médecin de famille R4 or Premed-24 — Region 3, Lucerne

Region 3, Lucerne: with Helsana, BeneFit PLUS Médecin de famille R4 costs CHF 487.70 a month in 2026 and Premed-24 CHF 493.10, 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 R4 is the cheaper of the two here: CHF 64.80 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 R4 is a "Family doctor" model. Premed-24 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.

  • 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 R4Premed-24Gap per year
300CHF 487.70CHF 493.10CHF 64.80
500CHF 476.10CHF 481.50CHF 64.80
1'000CHF 446.90CHF 452.30CHF 64.80
1'500CHF 417.70CHF 423.10CHF 64.80
2'000CHF 388.60CHF 394.00CHF 64.80
2'500CHF 359.40CHF 364.80CHF 64.80

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.