HMO plus or Tel Care — Region 3, Bern

Region 3, Bern: with Visana, HMO plus costs CHF 470.90 a month in 2026 and Tel Care CHF 490.20, 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 231.60 saved per year against Tel 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 is a "Group practice (HMO)" model. Tel Care is a "Telemedicine and others" model.

HMO plus
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
Tel Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.

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	Tel Care	Gap per year
300	CHF 470.90	CHF 490.20	CHF 231.60
500	CHF 464.30	CHF 483.50	CHF 230.40
1'000	CHF 430.10	CHF 449.40	CHF 231.60
1'500	CHF 400.90	CHF 420.20	CHF 231.60
2'000	CHF 371.80	CHF 391.00	CHF 230.40
2'500	CHF 342.60	CHF 361.90	CHF 231.60

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.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.