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Médecin de famille 3 or TelMed (Compact One) — Region 1, Bern

Region 1, Bern: with Sanitas, Médecin de famille 3 costs CHF 590.35 a month in 2026 and TelMed (Compact One) CHF 571.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

TelMed (Compact One) is the cheaper of the two here: CHF 227.40 saved per year against Médecin de famille 3, 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 3 is a "Family doctor" model. TelMed (Compact One) is a "Telemedicine and others" model.

  • Médecin de famille 3

    Family doctor

    You pick a family doctor and always go to them first.

  • TelMed (Compact One)

    Telemedicine and others

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

The price at every deductible

DeductibleMédecin de famille 3TelMed (Compact One)Gap per year
300CHF 590.35CHF 571.40CHF 227.40
500CHF 578.75CHF 559.80CHF 227.40
1'000CHF 549.55CHF 530.60CHF 227.40
1'500CHF 520.35CHF 501.40CHF 227.40
2'000CHF 491.25CHF 472.30CHF 227.40
2'500CHF 462.05CHF 443.10CHF 227.40

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.