Combi Care or sana24 Tel Care — Region 3, St. Gallen
Region 3, St. Gallen: with sana24, Combi Care costs CHF 444.80 a month in 2026 and sana24 Tel Care CHF 475.90, 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 373.20 saved per year against sana24 Tel Care, 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 and sana24 Tel Care are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- sana24 Tel Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | Combi Care | sana24 Tel Care | Gap per year |
|---|---|---|---|
| 300 | CHF 444.80 | CHF 475.90 | CHF 373.20 |
| 500 | CHF 433.20 | CHF 464.20 | CHF 372.00 |
| 1'000 | CHF 404.00 | CHF 435.00 | CHF 372.00 |
| 1'500 | CHF 374.80 | CHF 405.90 | CHF 373.20 |
| 2'000 | CHF 345.70 | CHF 376.70 | CHF 372.00 |
| 2'500 | CHF 316.50 | CHF 347.50 | CHF 372.00 |
The comparison, region by region
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.