Combi Care or VIVA – plan de santé — Region 3, Bern
Region 3, Bern: with Visana, Combi Care costs CHF 473.70 a month in 2026 and VIVA – plan de santé CHF 465.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
VIVA – plan de santé is the cheaper of the two here: CHF 98.40 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. VIVA – plan de santé 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.
- VIVA – plan de santé
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 | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 473.70 | CHF 465.50 | CHF 98.40 |
| 500 | CHF 467.00 | CHF 458.90 | CHF 97.20 |
| 1'000 | CHF 432.80 | CHF 425.80 | CHF 84.00 |
| 1'500 | CHF 403.70 | CHF 396.60 | CHF 85.20 |
| 2'000 | CHF 374.50 | CHF 368.50 | CHF 72.00 |
| 2'500 | CHF 345.30 | CHF 339.40 | CHF 70.80 |
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.