Med Direct or VIVA – Gesundheitsplan — Aargau
Aargau: with Galenos, Med Direct costs CHF 537.70 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 753.60 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
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.
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 | Med Direct | VIVA – Gesundheitsplan | Gap per year |
|---|---|---|---|
| 300 | CHF 537.70 | CHF 474.90 | CHF 753.60 |
| 500 | CHF 526.00 | CHF 463.20 | CHF 753.60 |
| 1'000 | CHF 496.90 | CHF 443.40 | CHF 642.00 |
| 1'500 | CHF 467.70 | CHF 414.30 | CHF 640.80 |
| 2'000 | CHF 438.50 | CHF 394.50 | CHF 528.00 |
| 2'500 | CHF 409.40 | CHF 365.30 | CHF 529.20 |
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.