HMO plus or Visana Tel Doc — Region 2, Bern
Region 2, Bern: with Visana, HMO plus costs CHF 501.80 a month in 2026 and Visana Tel Doc CHF 517.00, 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 182.40 saved per year against Visana Tel Doc, 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. 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.
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 | Visana Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 501.80 | CHF 517.00 | CHF 182.40 |
| 500 | CHF 495.10 | CHF 510.40 | CHF 183.60 |
| 1'000 | CHF 461.00 | CHF 476.20 | CHF 182.40 |
| 1'500 | CHF 431.80 | CHF 447.00 | CHF 182.40 |
| 2'000 | CHF 402.60 | CHF 417.90 | CHF 183.60 |
| 2'500 | CHF 373.50 | CHF 388.70 | CHF 182.40 |
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.