HMO plus or VIVA – plan de santé — Region 3, Bern
Region 3, Bern: with Visana, HMO plus costs CHF 470.90 a month in 2026 and VIVA – plan de santé CHF 465.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
VIVA – plan de santé is the cheaper of the two here: CHF 64.80 saved per year against HMO plus, 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 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.
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 | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 470.90 | CHF 465.50 | CHF 64.80 |
| 500 | CHF 464.30 | CHF 458.90 | CHF 64.80 |
| 1'000 | CHF 430.10 | CHF 425.80 | CHF 51.60 |
| 1'500 | CHF 400.90 | CHF 396.60 | CHF 51.60 |
| 2'000 | CHF 371.80 | CHF 368.50 | CHF 39.60 |
| 2'500 | CHF 342.60 | CHF 339.40 | CHF 38.40 |
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.