Combi Care or VIVA – Gesundheitsplan — Aargau
Aargau: with Galenos, Combi Care costs CHF 496.00 a month in 2026 and VIVA – Gesundheitsplan CHF 474.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
VIVA – Gesundheitsplan is the cheaper of the two here: CHF 253.20 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. VIVA – Gesundheitsplan is a "Group practice (HMO)" model.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- VIVA – Gesundheitsplan
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
Careful: one of these two models covers only a list of municipalities in this region. Check that yours is on it before choosing.
The price at every deductible
| Deductible | Combi Care | VIVA – Gesundheitsplan | Gap per year |
|---|---|---|---|
| 300 | CHF 496.00 | CHF 474.90 | CHF 253.20 |
| 500 | CHF 484.30 | CHF 463.20 | CHF 253.20 |
| 1'000 | CHF 455.20 | CHF 443.40 | CHF 141.60 |
| 1'500 | CHF 426.00 | CHF 414.30 | CHF 140.40 |
| 2'000 | CHF 396.80 | CHF 394.50 | CHF 27.60 |
| 2'500 | CHF 367.70 | CHF 365.30 | CHF 28.80 |
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.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.