HMO plus or Med Direct — Region 2, Bern
Region 2, Bern: with Visana, HMO plus costs CHF 501.80 a month in 2026 and Med Direct CHF 527.60, 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 309.60 saved per year against Med Direct, 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 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.
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 | Med Direct | Gap per year |
|---|---|---|---|
| 300 | CHF 501.80 | CHF 527.60 | CHF 309.60 |
| 500 | CHF 495.10 | CHF 520.90 | CHF 309.60 |
| 1'000 | CHF 461.00 | CHF 486.80 | CHF 309.60 |
| 1'500 | CHF 431.80 | CHF 457.60 | CHF 309.60 |
| 2'000 | CHF 402.60 | CHF 428.40 | CHF 309.60 |
| 2'500 | CHF 373.50 | CHF 399.30 | CHF 309.60 |
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.