Combi Care or Med Direct — Region 3, Grisons
Region 3, Grisons: with sana24, Combi Care costs CHF 436.20 a month in 2026 and Med Direct CHF 491.90, 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 668.40 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 436.20 | CHF 491.90 | CHF 668.40 |
| 500 | CHF 424.50 | CHF 480.20 | CHF 668.40 |
| 1'000 | CHF 395.30 | CHF 451.10 | CHF 669.60 |
| 1'500 | CHF 366.20 | CHF 421.90 | CHF 668.40 |
| 2'000 | CHF 337.00 | CHF 392.70 | CHF 668.40 |
| 2'500 | CHF 307.80 | CHF 363.60 | CHF 669.60 |
The comparison, region by region
- Combi Care or Med Direct?
- Aargau
- Appenzell Ausserrhoden
- Basel-Stadt
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- 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.