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Combi Care or Tel Doc — Appenzell Innerrhoden

Appenzell Innerrhoden: with sana24, Combi Care costs CHF 400.30 a month in 2026 and Tel Doc CHF 418.90, 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 223.20 saved per year against Tel Doc, 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 Tel Doc 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.

  • Tel Doc

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleCombi CareTel DocGap per year
300CHF 400.30CHF 418.90CHF 223.20
500CHF 388.60CHF 407.20CHF 223.20
1'000CHF 359.50CHF 378.10CHF 223.20
1'500CHF 330.30CHF 348.90CHF 223.20
2'000CHF 301.10CHF 319.70CHF 223.20
2'500CHF 272.00CHF 290.60CHF 223.20

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.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.