Med Direct or Visana Tel Doc — Region 1, Bern
Region 1, Bern: with Visana, Med Direct costs CHF 597.30 a month in 2026 and Visana Tel Doc CHF 585.30, 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 144.00 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. Visana Tel Doc is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- 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 | Med Direct | Visana Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 597.30 | CHF 585.30 | CHF 144.00 |
| 500 | CHF 590.60 | CHF 578.70 | CHF 142.80 |
| 1'000 | CHF 556.50 | CHF 544.50 | CHF 144.00 |
| 1'500 | CHF 527.30 | CHF 515.30 | CHF 144.00 |
| 2'000 | CHF 498.10 | CHF 486.20 | CHF 142.80 |
| 2'500 | CHF 469.00 | CHF 457.00 | CHF 144.00 |
The comparison, region by region
- Med Direct or Visana Tel Doc?
- 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.