Helsana BeneFit PLUS Médecin de famille R4 — Region 1, St. Gallen
Region 1, St. Gallen: the BeneFit PLUS Médecin de famille R4 model from Helsana costs CHF 517.70 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 517.70, BeneFit PLUS Médecin de famille R4 is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, BeneFit PLUS Médecin de famille R4 costs CHF 615.60 less per year than Helsana's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 517.70 | CHF 481.50 |
| 500 | CHF 506.10 | CHF 470.70 |
| 1'000 | CHF 476.90 | CHF 443.60 |
| 1'500 | CHF 447.70 | CHF 416.40 |
| 2'000 | CHF 418.60 | CHF 389.30 |
| 2'500 | CHF 389.40 | CHF 362.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 414.20 | CHF 385.30 |
| 500 | CHF 402.60 | CHF 374.50 |
| 1'000 | CHF 373.40 | CHF 347.30 |
| 1'500 | CHF 344.20 | CHF 320.20 |
| 2'000 | CHF 315.10 | CHF 293.10 |
| 2'500 | CHF 285.90 | CHF 265.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 119.00 | CHF 110.70 |
| 500 | CHF 89.90 | CHF 83.70 |
The price, region by region
- 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 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.