Managed Care or Visana Tel Doc — Region 3, Bern
Region 3, Bern: with Visana, Managed Care costs CHF 485.60 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.
Visana Tel Doc is the cheaper of the two here: CHF 58.80 saved per year against Managed Care, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Managed Care is a "Group practice (HMO)" model. Visana Tel Doc is a "Telemedicine and others" model.
- Managed Care
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 price at every deductible
| Deductible | Managed Care | Visana Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 485.60 | CHF 480.70 | CHF 58.80 |
| 500 | CHF 478.90 | CHF 474.00 | CHF 58.80 |
| 1'000 | CHF 444.70 | CHF 439.90 | CHF 57.60 |
| 1'500 | CHF 415.60 | CHF 410.70 | CHF 58.80 |
| 2'000 | CHF 386.40 | CHF 381.50 | CHF 58.80 |
| 2'500 | CHF 357.20 | CHF 352.40 | CHF 57.60 |
The comparison, region by region
- Managed Care or Visana Tel Doc?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.