Helsana BeneFit PLUS Médecin de famille R4 — Region 3, Zurich
Region 3, Zurich: the BeneFit PLUS Médecin de famille R4 model from Helsana costs CHF 509.60 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 509.60, BeneFit PLUS Médecin de famille R4 is not the lowest premium here: Agrisano goes down to CHF 427.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, BeneFit PLUS Médecin de famille R4 costs CHF 604.80 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 509.60 | CHF 474.00 |
| 500 | CHF 498.00 | CHF 463.20 |
| 1'000 | CHF 468.80 | CHF 436.00 |
| 1'500 | CHF 439.60 | CHF 408.90 |
| 2'000 | CHF 410.50 | CHF 381.80 |
| 2'500 | CHF 381.30 | CHF 354.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 407.60 | CHF 379.10 |
| 500 | CHF 396.00 | CHF 368.30 |
| 1'000 | CHF 366.80 | CHF 341.20 |
| 1'500 | CHF 337.60 | CHF 314.00 |
| 2'000 | CHF 308.50 | CHF 287.00 |
| 2'500 | CHF 279.30 | CHF 259.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 117.20 | CHF 109.00 |
| 500 | CHF 88.10 | CHF 82.00 |
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 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
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.