Combi Care or Med Direct — Uri
Uri: with Galenos, Combi Care costs CHF 462.40 a month in 2026 and Med Direct CHF 450.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Med Direct is the cheaper of the two here: CHF 140.40 saved per year against Combi 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. 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 462.40 | CHF 450.70 | CHF 140.40 |
| 500 | CHF 450.70 | CHF 439.10 | CHF 139.20 |
| 1'000 | CHF 421.60 | CHF 409.90 | CHF 140.40 |
| 1'500 | CHF 392.40 | CHF 380.70 | CHF 140.40 |
| 2'000 | CHF 363.20 | CHF 351.60 | CHF 139.20 |
| 2'500 | CHF 334.10 | CHF 322.40 | CHF 140.40 |
The comparison, region by region
- Combi Care or Med Direct?
- 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 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- 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.