Combi Care or Managed Care sans capitation — Region 1, Bern
Region 1, Bern: with sana24, Combi Care costs CHF 571.80 a month in 2026 and Managed Care sans capitation CHF 631.60, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Combi Care is the cheaper of the two here: CHF 717.60 saved per year against Managed Care sans capitation, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Combi Care is a "Telemedicine and others" model. Managed Care sans capitation is a "Group practice (HMO)" model.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Managed Care sans capitation
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The price at every deductible
| Deductible | Combi Care | Managed Care sans capitation | Gap per year |
|---|---|---|---|
| 300 | CHF 571.80 | CHF 631.60 | CHF 717.60 |
| 500 | CHF 560.10 | CHF 619.90 | CHF 717.60 |
| 1'000 | CHF 531.00 | CHF 590.70 | CHF 716.40 |
| 1'500 | CHF 501.80 | CHF 561.60 | CHF 717.60 |
| 2'000 | CHF 472.60 | CHF 532.40 | CHF 717.60 |
| 2'500 | CHF 443.50 | CHF 503.20 | CHF 716.40 |
The comparison, region by region
- Combi Care or Managed Care sans capitation?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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.