Combi Care or Tel Doc — Region 3, St. Gallen
Region 3, St. Gallen: with sana24, Combi Care costs CHF 444.80 a month in 2026 and Tel Doc CHF 481.00, 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 434.40 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
| Deductible | Combi Care | Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 444.80 | CHF 481.00 | CHF 434.40 |
| 500 | CHF 433.20 | CHF 469.40 | CHF 434.40 |
| 1'000 | CHF 404.00 | CHF 440.20 | CHF 434.40 |
| 1'500 | CHF 374.80 | CHF 411.00 | CHF 434.40 |
| 2'000 | CHF 345.70 | CHF 381.90 | CHF 434.40 |
| 2'500 | CHF 316.50 | CHF 352.70 | CHF 434.40 |
The comparison, region by region
- Combi Care or Tel Doc?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.