Combi Care or HMO plus — Region 3, Bern
Region 3, Bern: with Visana, Combi Care costs CHF 473.70 a month in 2026 and HMO plus CHF 470.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
HMO plus is the cheaper of the two here: CHF 33.60 saved per year against Combi 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. 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.
Careful: one of these two models covers only a list of municipalities in this region. Check that yours is on it before choosing.
The price at every deductible
| Deductible | Combi Care | HMO plus | Gap per year |
|---|---|---|---|
| 300 | CHF 473.70 | CHF 470.90 | CHF 33.60 |
| 500 | CHF 467.00 | CHF 464.30 | CHF 32.40 |
| 1'000 | CHF 432.80 | CHF 430.10 | CHF 32.40 |
| 1'500 | CHF 403.70 | CHF 400.90 | CHF 33.60 |
| 2'000 | CHF 374.50 | CHF 371.80 | CHF 32.40 |
| 2'500 | CHF 345.30 | CHF 342.60 | CHF 32.40 |
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.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.