Combi Care or Managed Care sans capitation — Region 3, St. Gallen
Region 3, St. Gallen: with sana24, Combi Care costs CHF 444.80 a month in 2026 and Managed Care sans capitation CHF 491.40, 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 559.20 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 444.80 | CHF 491.40 | CHF 559.20 |
| 500 | CHF 433.20 | CHF 479.70 | CHF 558.00 |
| 1'000 | CHF 404.00 | CHF 450.50 | CHF 558.00 |
| 1'500 | CHF 374.80 | CHF 421.40 | CHF 559.20 |
| 2'000 | CHF 345.70 | CHF 392.20 | CHF 558.00 |
| 2'500 | CHF 316.50 | CHF 363.00 | CHF 558.00 |
The comparison, region by region
- Combi Care or Managed Care sans capitation?
- 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
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- 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.