Combi Care or Med Direct — Region 1, Zurich
Region 1, Zurich: with Galenos, Combi Care costs CHF 628.50 a month in 2026 and Med Direct CHF 639.30, 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 129.60 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 628.50 | CHF 639.30 | CHF 129.60 |
| 500 | CHF 616.80 | CHF 627.70 | CHF 130.80 |
| 1'000 | CHF 587.70 | CHF 598.50 | CHF 129.60 |
| 1'500 | CHF 558.50 | CHF 569.30 | CHF 129.60 |
| 2'000 | CHF 529.30 | CHF 540.20 | CHF 130.80 |
| 2'500 | CHF 500.20 | CHF 511.00 | CHF 129.60 |
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
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- 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.