HMO plus or Med Direct — Region 3, Bern
Region 3, Bern: with Visana, HMO plus costs CHF 470.90 a month in 2026 and Med Direct CHF 487.20, 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 195.60 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 470.90 | CHF 487.20 | CHF 195.60 |
| 500 | CHF 464.30 | CHF 480.50 | CHF 194.40 |
| 1'000 | CHF 430.10 | CHF 446.40 | CHF 195.60 |
| 1'500 | CHF 400.90 | CHF 417.20 | CHF 195.60 |
| 2'000 | CHF 371.80 | CHF 388.00 | CHF 194.40 |
| 2'500 | CHF 342.60 | CHF 358.90 | CHF 195.60 |
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.