HMO plus or VIVA – plan de santé?
Visana offers both: HMO plus and VIVA – plan de santé. 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 0 and VIVA – plan de santé in 2. The average gap between them is CHF 81.60 a year.
The gap is widest in Bern — Region 2: CHF 98.40 a year.
What you accept in each case
HMO plus and VIVA – plan de santé are both "Group practice (HMO)" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- HMO plus
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- VIVA – plan de santé
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
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.