Combi Care or Med Direct — Region 3, St. Gallen
Region 3, St. Gallen: with sana24, Combi Care costs CHF 444.80 a month in 2026 and Med Direct CHF 486.70, 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 502.80 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 444.80 | CHF 486.70 | CHF 502.80 |
| 500 | CHF 433.20 | CHF 475.00 | CHF 501.60 |
| 1'000 | CHF 404.00 | CHF 445.90 | CHF 502.80 |
| 1'500 | CHF 374.80 | CHF 416.70 | CHF 502.80 |
| 2'000 | CHF 345.70 | CHF 387.50 | CHF 501.60 |
| 2'500 | CHF 316.50 | CHF 358.40 | CHF 502.80 |
The comparison, region by region
- Combi Care or Med Direct?
- Aargau
- Appenzell Ausserrhoden
- 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
- 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.