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Combi Care or Tel Doc — Appenzell Innerrhoden

Appenzell Innerrhoden: with Galenos, Combi Care costs CHF 427.00 a month in 2026 and Tel Doc CHF 436.90, 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 118.80 saved per year against Tel Doc, 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 and Tel Doc are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.

  • Combi Care

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

  • Tel Doc

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleCombi CareTel DocGap per year
300CHF 427.00CHF 436.90CHF 118.80
500CHF 415.30CHF 425.20CHF 118.80
1'000CHF 386.10CHF 396.00CHF 118.80
1'500CHF 357.00CHF 366.90CHF 118.80
2'000CHF 327.80CHF 337.70CHF 118.80
2'500CHF 298.60CHF 308.50CHF 118.80

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.