Combi Care or Med Direct — Appenzell Innerrhoden
Appenzell Innerrhoden: with Galenos, Combi Care costs CHF 427.00 a month in 2026 and Med Direct CHF 433.90, 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 82.80 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
Combi Care is a "Telemedicine and others" model. Med Direct is a "Family doctor" model.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Combi Care | Med Direct | Gap per year |
|---|---|---|---|
| 300 | CHF 427.00 | CHF 433.90 | CHF 82.80 |
| 500 | CHF 415.30 | CHF 422.20 | CHF 82.80 |
| 1'000 | CHF 386.10 | CHF 393.10 | CHF 84.00 |
| 1'500 | CHF 357.00 | CHF 363.90 | CHF 82.80 |
| 2'000 | CHF 327.80 | CHF 334.70 | CHF 82.80 |
| 2'500 | CHF 298.60 | CHF 305.60 | CHF 84.00 |
The comparison, region by region
- Combi Care or Med Direct?
- Aargau
- 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 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.