Hausarzt-Modell or sanmed24 — Region 3, Bern
Region 3, Bern: with rhenusana, Hausarzt-Modell costs CHF 611.70 a month in 2026 and sanmed24 CHF 583.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
sanmed24 is the cheaper of the two here: CHF 343.20 saved per year against Hausarzt-Modell, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Hausarzt-Modell is a "Family doctor" model. sanmed24 is a "Telemedicine and others" model.
- Hausarzt-Modell
Family doctor
You pick a family doctor and always go to them first.
- sanmed24
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 | Hausarzt-Modell | sanmed24 | Gap per year |
|---|---|---|---|
| 300 | CHF 611.70 | CHF 583.10 | CHF 343.20 |
| 500 | CHF 600.10 | CHF 572.60 | CHF 330.00 |
| 1'000 | CHF 572.70 | CHF 545.60 | CHF 325.20 |
| 1'500 | CHF 544.70 | CHF 519.10 | CHF 307.20 |
| 2'000 | CHF 516.70 | CHF 492.10 | CHF 295.20 |
| 2'500 | CHF 488.70 | CHF 465.10 | CHF 283.20 |
The comparison, region by region
- Hausarzt-Modell or sanmed24?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.