Combi Care or Tel Care — Region 3, Bern
Region 3, Bern: with Visana, Combi Care costs CHF 473.70 a month in 2026 and Tel Care CHF 490.20, 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 198.00 saved per year against Tel 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 and Tel Care 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 Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | Combi Care | Tel Care | Gap per year |
|---|---|---|---|
| 300 | CHF 473.70 | CHF 490.20 | CHF 198.00 |
| 500 | CHF 467.00 | CHF 483.50 | CHF 198.00 |
| 1'000 | CHF 432.80 | CHF 449.40 | CHF 199.20 |
| 1'500 | CHF 403.70 | CHF 420.20 | CHF 198.00 |
| 2'000 | CHF 374.50 | CHF 391.00 | CHF 198.00 |
| 2'500 | CHF 345.30 | CHF 361.90 | CHF 199.20 |
The comparison, region by region
- Combi Care or Tel 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.