HMO plus or Managed Care — Region 2, Bern
Region 2, Bern: with Visana, HMO plus costs CHF 501.80 a month in 2026 and Managed Care CHF 521.70, 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 238.80 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
HMO plus and Managed Care are both "Group practice (HMO)" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- HMO plus
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- Managed Care
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 | HMO plus | Managed Care | Gap per year |
|---|---|---|---|
| 300 | CHF 501.80 | CHF 521.70 | CHF 238.80 |
| 500 | CHF 495.10 | CHF 515.10 | CHF 240.00 |
| 1'000 | CHF 461.00 | CHF 480.90 | CHF 238.80 |
| 1'500 | CHF 431.80 | CHF 451.70 | CHF 238.80 |
| 2'000 | CHF 402.60 | CHF 422.60 | CHF 240.00 |
| 2'500 | CHF 373.50 | CHF 393.40 | CHF 238.80 |
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.