Tel Doc or VIVA – Gesundheitsplan — Aargau
Aargau: with Galenos, Tel Doc costs CHF 543.60 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 824.40 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
Tel Doc is a "Telemedicine and others" model. VIVA – Gesundheitsplan is a "Group practice (HMO)" model.
- Tel Doc
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- 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 | Tel Doc | VIVA – Gesundheitsplan | Gap per year |
|---|---|---|---|
| 300 | CHF 543.60 | CHF 474.90 | CHF 824.40 |
| 500 | CHF 531.90 | CHF 463.20 | CHF 824.40 |
| 1'000 | CHF 502.70 | CHF 443.40 | CHF 711.60 |
| 1'500 | CHF 473.60 | CHF 414.30 | CHF 711.60 |
| 2'000 | CHF 444.40 | CHF 394.50 | CHF 598.80 |
| 2'500 | CHF 415.20 | CHF 365.30 | CHF 598.80 |
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.