HMO plus or Visana Tel Doc — Region 3, Bern
Region 3, Bern: with Visana, HMO plus costs CHF 470.90 a month in 2026 and Visana Tel Doc CHF 480.70, 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 117.60 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 470.90 | CHF 480.70 | CHF 117.60 |
| 500 | CHF 464.30 | CHF 474.00 | CHF 116.40 |
| 1'000 | CHF 430.10 | CHF 439.90 | CHF 117.60 |
| 1'500 | CHF 400.90 | CHF 410.70 | CHF 117.60 |
| 2'000 | CHF 371.80 | CHF 381.50 | CHF 116.40 |
| 2'500 | CHF 342.60 | CHF 352.40 | CHF 117.60 |
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.