Hausmed or TelMed — Region 3, Bern
Region 3, Bern: with Luzerner Hinterland, Hausmed costs CHF 502.10 a month in 2026 and TelMed CHF 496.85, 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 63.00 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 502.10 | CHF 496.85 | CHF 63.00 |
| 500 | CHF 490.45 | CHF 485.15 | CHF 63.60 |
| 1'000 | CHF 461.30 | CHF 456.00 | CHF 63.60 |
| 1'500 | CHF 432.10 | CHF 426.85 | CHF 63.00 |
| 2'000 | CHF 402.95 | CHF 397.65 | CHF 63.60 |
| 2'500 | CHF 373.80 | CHF 368.50 | CHF 63.60 |
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.