Tel Care or VIVA – plan de santé — Neuchâtel
Neuchâtel: with Visana, Tel Care costs CHF 605.90 a month in 2026 and VIVA – plan de santé CHF 554.20, 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 620.40 saved per year against Tel Care, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Tel Care is a "Telemedicine and others" model. VIVA – plan de santé is a "Group practice (HMO)" model.
- Tel Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- VIVA – plan de santé
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The price at every deductible
| Deductible | Tel Care | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 605.90 | CHF 554.20 | CHF 620.40 |
| 500 | CHF 599.20 | CHF 547.60 | CHF 619.20 |
| 1'000 | CHF 565.10 | CHF 534.20 | CHF 370.80 |
| 1'500 | CHF 535.90 | CHF 505.00 | CHF 370.80 |
| 2'000 | CHF 506.70 | CHF 492.50 | CHF 170.40 |
| 2'500 | CHF 477.60 | CHF 463.30 | CHF 171.60 |
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.