Médecin de famille or Télémédecine — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with ÖKK, Médecin de famille costs CHF 451.80 a month in 2026 and Télémédecine CHF 459.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Médecin de famille is the cheaper of the two here: CHF 91.20 saved per year against Télémédecine, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Médecin de famille is a "Family doctor" model. Télémédecine is a "Telemedicine and others" model.
- Médecin de famille
Family doctor
You pick a family doctor and always go to them first.
- Télémédecine
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 | Médecin de famille | Télémédecine | Gap per year |
|---|---|---|---|
| 300 | CHF 451.80 | CHF 459.40 | CHF 91.20 |
| 500 | CHF 440.20 | CHF 447.80 | CHF 91.20 |
| 1'000 | CHF 411.00 | CHF 418.60 | CHF 91.20 |
| 1'500 | CHF 381.80 | CHF 389.40 | CHF 91.20 |
| 2'000 | CHF 352.70 | CHF 360.30 | CHF 91.20 |
| 2'500 | CHF 323.50 | CHF 331.10 | CHF 91.20 |
The comparison, region by region
- Médecin de famille or Télémédecine?
- Aargau
- Appenzell Innerrhoden
- 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.