Combi Care or Med Direct — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with sana24, Combi Care costs CHF 471.20 a month in 2026 and Med Direct CHF 498.50, 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 327.60 saved per year against Med Direct, 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. Med Direct is a "Family doctor" model.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Combi Care | Med Direct | Gap per year |
|---|---|---|---|
| 300 | CHF 471.20 | CHF 498.50 | CHF 327.60 |
| 500 | CHF 459.50 | CHF 486.90 | CHF 328.80 |
| 1'000 | CHF 430.30 | CHF 457.70 | CHF 328.80 |
| 1'500 | CHF 401.20 | CHF 428.50 | CHF 327.60 |
| 2'000 | CHF 372.00 | CHF 399.40 | CHF 328.80 |
| 2'500 | CHF 342.80 | CHF 370.20 | CHF 328.80 |
The comparison, region by region
- Combi Care or Med Direct?
- Aargau
- Basel-Stadt
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.