Combi Care or Managed Care — Region 3, Bern
Region 3, Bern: with Visana, Combi Care costs CHF 473.70 a month in 2026 and Managed Care CHF 485.60, 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 142.80 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 473.70 | CHF 485.60 | CHF 142.80 |
| 500 | CHF 467.00 | CHF 478.90 | CHF 142.80 |
| 1'000 | CHF 432.80 | CHF 444.70 | CHF 142.80 |
| 1'500 | CHF 403.70 | CHF 415.60 | CHF 142.80 |
| 2'000 | CHF 374.50 | CHF 386.40 | CHF 142.80 |
| 2'500 | CHF 345.30 | CHF 357.20 | CHF 142.80 |
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.