Med Direct or Tel Doc — Appenzell Innerrhoden
Appenzell Innerrhoden: with Galenos, Med Direct costs CHF 433.90 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.
Med Direct is the cheaper of the two here: CHF 36.00 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 433.90 | CHF 436.90 | CHF 36.00 |
| 500 | CHF 422.20 | CHF 425.20 | CHF 36.00 |
| 1'000 | CHF 393.10 | CHF 396.00 | CHF 34.80 |
| 1'500 | CHF 363.90 | CHF 366.90 | CHF 36.00 |
| 2'000 | CHF 334.70 | CHF 337.70 | CHF 36.00 |
| 2'500 | CHF 305.60 | CHF 308.50 | CHF 34.80 |
The comparison, region by region
- Med Direct or Tel Doc?
- Aargau
- 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
- 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.