Galenos Med Direct — Obwalden
Obwalden: the Med Direct model from Galenos costs CHF 470.60 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 470.60, Med Direct is not the lowest premium here: Agrisano goes down to CHF 382.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Med Direct costs CHF 655.20 less per year than Galenos's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 470.60 | CHF 439.90 |
| 500 | CHF 459.00 | CHF 429.00 |
| 1'000 | CHF 429.80 | CHF 401.70 |
| 1'500 | CHF 400.60 | CHF 374.40 |
| 2'000 | CHF 371.50 | CHF 347.20 |
| 2'500 | CHF 342.30 | CHF 319.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 349.00 | CHF 326.20 |
| 500 | CHF 337.40 | CHF 315.30 |
| 1'000 | CHF 308.20 | CHF 288.10 |
| 1'500 | CHF 279.00 | CHF 260.80 |
| 2'000 | CHF 249.90 | CHF 233.50 |
| 2'500 | CHF 220.70 | CHF 206.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.20 | CHF 116.10 |
| 100 | CHF 118.30 | CHF 110.60 |
| 200 | CHF 112.50 | CHF 105.20 |
| 300 | CHF 106.70 | CHF 99.70 |
| 400 | CHF 100.80 | CHF 94.30 |
| 500 | CHF 95.00 | CHF 88.80 |
| 600 | CHF 89.20 | CHF 83.40 |
The price, region by region
- 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
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.