Hausmed or TelMed — Region 2, Bern
Region 2, Bern: with Luzerner Hinterland, Hausmed costs CHF 547.55 a month in 2026 and TelMed CHF 541.75, 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 69.60 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 547.55 | CHF 541.75 | CHF 69.60 |
| 500 | CHF 535.85 | CHF 530.10 | CHF 69.00 |
| 1'000 | CHF 506.70 | CHF 500.95 | CHF 69.00 |
| 1'500 | CHF 477.55 | CHF 471.75 | CHF 69.60 |
| 2'000 | CHF 448.35 | CHF 442.60 | CHF 69.00 |
| 2'500 | CHF 419.20 | CHF 413.45 | CHF 69.00 |
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.