Med Direct or VIVA – plan de santé — Region 1, Bern
Region 1, Bern: with Visana, Med Direct costs CHF 597.30 a month in 2026 and VIVA – plan de santé CHF 540.10, 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 686.40 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. VIVA – plan de santé is a "Group practice (HMO)" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- 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 | Med Direct | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 597.30 | CHF 540.10 | CHF 686.40 |
| 500 | CHF 590.60 | CHF 533.50 | CHF 685.20 |
| 1'000 | CHF 556.50 | CHF 502.00 | CHF 654.00 |
| 1'500 | CHF 527.30 | CHF 472.80 | CHF 654.00 |
| 2'000 | CHF 498.10 | CHF 446.30 | CHF 621.60 |
| 2'500 | CHF 469.00 | CHF 417.10 | CHF 622.80 |
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.