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Combi Care or Tel Doc — Region 3, Bern

Region 3, Bern: with sana24, Combi Care costs CHF 487.80 a month in 2026 and Tel Doc CHF 533.10, 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 543.60 saved per year against Tel Doc, 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 and Tel Doc are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.

  • Combi Care

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

  • Tel Doc

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleCombi CareTel DocGap per year
300CHF 487.80CHF 533.10CHF 543.60
500CHF 476.10CHF 521.40CHF 543.60
1'000CHF 446.90CHF 492.30CHF 544.80
1'500CHF 417.80CHF 463.10CHF 543.60
2'000CHF 388.60CHF 433.90CHF 543.60
2'500CHF 359.40CHF 404.80CHF 544.80

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.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.