callmed 24 or FlexHelp 24 — Region 3, Bern
Region 3, Bern: with Vivao Sympany, callmed 24 costs CHF 516.00 a month in 2026 and FlexHelp 24 CHF 513.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FlexHelp 24 is the cheaper of the two here: CHF 34.80 saved per year against callmed 24, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
callmed 24 is a "Family doctor" model. FlexHelp 24 is a "Telemedicine and others" model.
- callmed 24
Family doctor
You pick a family doctor and always go to them first.
- FlexHelp 24
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 | callmed 24 | FlexHelp 24 | Gap per year |
|---|---|---|---|
| 300 | CHF 516.00 | CHF 513.10 | CHF 34.80 |
| 500 | CHF 504.30 | CHF 501.40 | CHF 34.80 |
| 1'000 | CHF 475.20 | CHF 472.30 | CHF 34.80 |
| 1'500 | CHF 446.00 | CHF 443.10 | CHF 34.80 |
| 2'000 | CHF 416.80 | CHF 413.90 | CHF 34.80 |
| 2'500 | CHF 387.70 | CHF 384.80 | CHF 34.80 |
The comparison, region by region
- callmed 24 or FlexHelp 24?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.