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Combi Care or Tel Doc — Region 3, St. Gallen

Region 3, St. Gallen: with Galenos, Combi Care costs CHF 434.40 a month in 2026 and Tel Doc CHF 472.70, 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 459.60 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 434.40CHF 472.70CHF 459.60
500CHF 422.70CHF 461.10CHF 460.80
1'000CHF 393.60CHF 431.90CHF 459.60
1'500CHF 364.40CHF 402.70CHF 459.60
2'000CHF 335.20CHF 373.60CHF 460.80
2'500CHF 306.10CHF 344.40CHF 459.60

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.