Med Direct or Tel Doc — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with Galenos, Med Direct costs CHF 507.20 a month in 2026 and Tel Doc CHF 514.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Med Direct is the cheaper of the two here: CHF 81.60 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
Med Direct is a "Family doctor" model. Tel Doc is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- 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
| Deductible | Med Direct | Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 507.20 | CHF 514.00 | CHF 81.60 |
| 500 | CHF 495.50 | CHF 502.40 | CHF 82.80 |
| 1'000 | CHF 466.40 | CHF 473.20 | CHF 81.60 |
| 1'500 | CHF 437.20 | CHF 444.00 | CHF 81.60 |
| 2'000 | CHF 408.00 | CHF 414.90 | CHF 82.80 |
| 2'500 | CHF 378.90 | CHF 385.70 | CHF 81.60 |
The comparison, region by region
- Med Direct or Tel Doc?
- Aargau
- Appenzell Innerrhoden
- 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 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.