Med Direct or Tel Care — Region 1, Bern
Region 1, Bern: with Visana, Med Direct costs CHF 597.30 a month in 2026 and Tel Care CHF 577.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Tel Care is the cheaper of the two here: CHF 243.60 saved per year against Med Direct, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Med Direct is a "Family doctor" model. Tel Care is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- Tel Care
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 | Med Direct | Tel Care | Gap per year |
|---|---|---|---|
| 300 | CHF 597.30 | CHF 577.00 | CHF 243.60 |
| 500 | CHF 590.60 | CHF 570.40 | CHF 242.40 |
| 1'000 | CHF 556.50 | CHF 536.20 | CHF 243.60 |
| 1'500 | CHF 527.30 | CHF 507.00 | CHF 243.60 |
| 2'000 | CHF 498.10 | CHF 477.90 | CHF 242.40 |
| 2'500 | CHF 469.00 | CHF 448.70 | CHF 243.60 |
The comparison, region by region
- Med Direct or Tel Care?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 2
- Bern — Region 3
- 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.