HMO plus or Visana Tel Doc?
Visana offers both: HMO plus and Visana Tel Doc. 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 Visana Tel Doc in 0. The average gap between them is CHF 150.00 a year.
The gap is widest in Bern — Region 2: CHF 182.40 a year.
What you accept in each case
HMO plus is a "Group practice (HMO)" model. Visana Tel Doc is a "Telemedicine and others" model.
- HMO plus
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- Visana Tel Doc
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
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.