Hausmed or TelMed — Region 1, Bern
Region 1, Bern: with Luzerner Hinterland, Hausmed costs CHF 641.75 a month in 2026 and TelMed CHF 634.95, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
TelMed is the cheaper of the two here: CHF 81.60 saved per year against Hausmed, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Hausmed is a "Family doctor" model. TelMed is a "Telemedicine and others" model.
The price at every deductible
| Deductible | Hausmed | TelMed | Gap per year |
|---|---|---|---|
| 300 | CHF 641.75 | CHF 634.95 | CHF 81.60 |
| 500 | CHF 630.05 | CHF 623.30 | CHF 81.00 |
| 1'000 | CHF 600.90 | CHF 594.15 | CHF 81.00 |
| 1'500 | CHF 571.75 | CHF 564.95 | CHF 81.60 |
| 2'000 | CHF 542.55 | CHF 535.80 | CHF 81.00 |
| 2'500 | CHF 513.40 | CHF 506.65 | CHF 81.00 |
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.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.