Med Direct or VIVA – Gesundheitsplan?
Galenos offers both: Med Direct and VIVA – Gesundheitsplan. They are available together in 1 premium regions, and the cheaper of the two is not the same everywhere.
The cheaper one is not the same everywhere
Across 1 premium regions where both are offered, Med Direct is cheaper in 0 and VIVA – Gesundheitsplan in 1. The average gap between them is CHF 753.60 a year.
The gap is widest in Aargau: CHF 753.60 a year.
What you accept in each case
Med Direct is a "Family doctor" model. VIVA – Gesundheitsplan is a "Group practice (HMO)" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- VIVA – Gesundheitsplan
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
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.