Combi Care or Managed Care — Region 3, Bern
Region 3, Bern: with sana24, Combi Care costs CHF 487.80 a month in 2026 and Managed Care CHF 521.20, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Combi Care is the cheaper of the two here: CHF 400.80 saved per year against Managed Care, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Combi Care is a "Telemedicine and others" model. Managed Care is a "Group practice (HMO)" model.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Managed Care
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The price at every deductible
| Deductible | Combi Care | Managed Care | Gap per year |
|---|---|---|---|
| 300 | CHF 487.80 | CHF 521.20 | CHF 400.80 |
| 500 | CHF 476.10 | CHF 509.50 | CHF 400.80 |
| 1'000 | CHF 446.90 | CHF 480.40 | CHF 402.00 |
| 1'500 | CHF 417.80 | CHF 451.20 | CHF 400.80 |
| 2'000 | CHF 388.60 | CHF 422.00 | CHF 400.80 |
| 2'500 | CHF 359.40 | CHF 392.90 | CHF 402.00 |
The comparison, region by region
- Combi Care or Managed Care?
- 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.