Med Direct or Tel Care — Region 2, Bern
Region 2, Bern: with Visana, Med Direct costs CHF 527.60 a month in 2026 and Tel Care CHF 527.30, 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 3.60 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 527.60 | CHF 527.30 | CHF 3.60 |
| 500 | CHF 520.90 | CHF 520.70 | CHF 2.40 |
| 1'000 | CHF 486.80 | CHF 486.50 | CHF 3.60 |
| 1'500 | CHF 457.60 | CHF 457.30 | CHF 3.60 |
| 2'000 | CHF 428.40 | CHF 428.20 | CHF 2.40 |
| 2'500 | CHF 399.30 | CHF 399.00 | CHF 3.60 |
The comparison, region by region
- Med Direct or Tel Care?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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.