Médecin de famille or Télémédecine — Region 3, Bern
Region 3, Bern: with ÖKK, Médecin de famille costs CHF 487.80 a month in 2026 and Télémédecine CHF 496.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Médecin de famille is the cheaper of the two here: CHF 98.40 saved per year against Télémédecine, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Médecin de famille is a "Family doctor" model. Télémédecine is a "Telemedicine and others" model.
- Médecin de famille
Family doctor
You pick a family doctor and always go to them first.
- Télémédecine
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 | Télémédecine | Gap per year |
|---|---|---|---|
| 300 | CHF 487.80 | CHF 496.00 | CHF 98.40 |
| 500 | CHF 476.20 | CHF 484.40 | CHF 98.40 |
| 1'000 | CHF 447.00 | CHF 455.20 | CHF 98.40 |
| 1'500 | CHF 417.80 | CHF 426.00 | CHF 98.40 |
| 2'000 | CHF 388.70 | CHF 396.90 | CHF 98.40 |
| 2'500 | CHF 359.50 | CHF 367.70 | CHF 98.40 |
The comparison, region by region
- Médecin de famille or Télémédecine?
- 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.