Combi Care or VIVA – plan de santé — Neuchâtel
Neuchâtel: with Visana, Combi Care costs CHF 637.30 a month in 2026 and VIVA – plan de santé CHF 554.20, 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 997.20 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.
The price at every deductible
| Deductible | Combi Care | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 637.30 | CHF 554.20 | CHF 997.20 |
| 500 | CHF 630.60 | CHF 547.60 | CHF 996.00 |
| 1'000 | CHF 596.50 | CHF 534.20 | CHF 747.60 |
| 1'500 | CHF 567.30 | CHF 505.00 | CHF 747.60 |
| 2'000 | CHF 538.10 | CHF 492.50 | CHF 547.20 |
| 2'500 | CHF 509.00 | CHF 463.30 | CHF 548.40 |
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.