Combi Care or Managed Care — Region 1, St. Gallen
Region 1, St. Gallen: with Galenos, Combi Care costs CHF 498.00 a month in 2026 and Managed Care CHF 535.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Combi Care is the cheaper of the two here: CHF 454.80 saved per year against Managed Care, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Combi Care is a "Telemedicine and others" model. Managed Care is a "Group practice (HMO)" model.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Managed Care
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The price at every deductible
| Deductible | Combi Care | Managed Care | Gap per year |
|---|---|---|---|
| 300 | CHF 498.00 | CHF 535.90 | CHF 454.80 |
| 500 | CHF 486.40 | CHF 524.20 | CHF 453.60 |
| 1'000 | CHF 457.20 | CHF 495.10 | CHF 454.80 |
| 1'500 | CHF 428.00 | CHF 465.90 | CHF 454.80 |
| 2'000 | CHF 398.90 | CHF 436.70 | CHF 453.60 |
| 2'500 | CHF 369.70 | CHF 407.60 | CHF 454.80 |
The comparison, region by region
- Combi Care or Managed Care?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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 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.