Combi Care or HMO plus?
Visana offers both: Combi Care and HMO plus. They are available together in 2 premium regions, and the cheaper of the two is not the same everywhere.
The cheaper one is not the same everywhere
Across 2 premium regions where both are offered, Combi Care is cheaper in 0 and HMO plus in 2. The average gap between them is CHF 37.80 a year.
The gap is widest in Bern — Region 2: CHF 42.00 a year.
What you accept in each case
Combi Care is a "Telemedicine and others" model. HMO plus 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.
- HMO plus
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
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.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.