Managed Care or Med Direct — Zug
Zug: with Galenos, Managed Care costs CHF 379.00 a month in 2026 and Med Direct CHF 387.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Managed Care is the cheaper of the two here: CHF 106.80 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
Managed Care is a "Group practice (HMO)" model. Med Direct is a "Family doctor" model.
- Managed Care
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Managed Care | Med Direct | Gap per year |
|---|---|---|---|
| 300 | CHF 379.00 | CHF 387.90 | CHF 106.80 |
| 500 | CHF 367.30 | CHF 376.20 | CHF 106.80 |
| 1'000 | CHF 338.20 | CHF 347.10 | CHF 106.80 |
| 1'500 | CHF 309.00 | CHF 317.90 | CHF 106.80 |
| 2'000 | CHF 279.80 | CHF 288.70 | CHF 106.80 |
| 2'500 | CHF 250.70 | CHF 259.60 | CHF 106.80 |
The comparison, region by region
- Managed 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
- 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.