HMO plus or Tel Care?
Visana offers both: HMO plus and Tel Care. 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 Tel Care in 0. The average gap between them is CHF 268.80 a year.
The gap is widest in Bern — Region 2: CHF 306.00 a year.
What you accept in each case
HMO plus is a "Group practice (HMO)" model. Tel Care is a "Telemedicine and others" model.
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.