Visana Tel Doc or VIVA – plan de santé — Region 3, Bern
Region 3, Bern: with Visana, Visana Tel Doc costs CHF 480.70 a month in 2026 and VIVA – plan de santé CHF 465.50, 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 182.40 saved per year against Visana Tel Doc, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Visana Tel Doc is a "Telemedicine and others" model. VIVA – plan de santé is a "Group practice (HMO)" model.
- Visana Tel Doc
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.
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 | Visana Tel Doc | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 480.70 | CHF 465.50 | CHF 182.40 |
| 500 | CHF 474.00 | CHF 458.90 | CHF 181.20 |
| 1'000 | CHF 439.90 | CHF 425.80 | CHF 169.20 |
| 1'500 | CHF 410.70 | CHF 396.60 | CHF 169.20 |
| 2'000 | CHF 381.50 | CHF 368.50 | CHF 156.00 |
| 2'500 | CHF 352.40 | CHF 339.40 | CHF 156.00 |
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.