HMO plus or Managed Care — Region 3, Bern
Region 3, Bern: with Visana, HMO plus costs CHF 470.90 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.
HMO plus is the cheaper of the two here: CHF 176.40 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 470.90 | CHF 485.60 | CHF 176.40 |
| 500 | CHF 464.30 | CHF 478.90 | CHF 175.20 |
| 1'000 | CHF 430.10 | CHF 444.70 | CHF 175.20 |
| 1'500 | CHF 400.90 | CHF 415.60 | CHF 176.40 |
| 2'000 | CHF 371.80 | CHF 386.40 | CHF 175.20 |
| 2'500 | CHF 342.60 | CHF 357.20 | CHF 175.20 |
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.