Médecin de famille or Select — Region 3, Bern
Region 3, Bern: with ÖKK, Médecin de famille costs CHF 487.80 a month in 2026 and Select CHF 487.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here Médecin de famille and Select cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
What you accept in each case
Médecin de famille is a "Family doctor" model. Select is a "Telemedicine and others" model.
- Médecin de famille
Family doctor
You pick a family doctor and always go to them first.
- Select
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | Médecin de famille | Select | Gap per year |
|---|---|---|---|
| 300 | CHF 487.80 | CHF 487.80 | — |
| 500 | CHF 476.20 | CHF 476.20 | — |
| 1'000 | CHF 447.00 | CHF 447.00 | — |
| 1'500 | CHF 417.80 | CHF 417.80 | — |
| 2'000 | CHF 388.70 | CHF 388.70 | — |
| 2'500 | CHF 359.50 | CHF 359.50 | — |
The comparison, region by region
- Médecin de famille or Select?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.