HMO plus or Med Direct?
Visana offers both: HMO plus and Med Direct. They are available together in 2 premium regions, and the cheaper of the two is not the same everywhere.
The cheaper one is not the same everywhere
Across 2 premium regions where both are offered, HMO plus is cheaper in 2 and Med Direct in 0. The average gap between them is CHF 252.60 a year.
The gap is widest in Bern — Region 2: CHF 309.60 a year.
What you accept in each case
HMO plus is a "Group practice (HMO)" model. Med Direct is a "Family doctor" model.
- HMO plus
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
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.