Combi Care or VIVA – plan de santé — Region 1, Ticino
Region 1, Ticino: with sana24, Combi Care costs CHF 645.80 a month in 2026 and VIVA – plan de santé CHF 593.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
VIVA – plan de santé is the cheaper of the two here: CHF 624.00 saved per year against Combi 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 is a "Telemedicine and others" model. VIVA – plan de santé is a "Group practice (HMO)" model.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- VIVA – plan de santé
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The price at every deductible
| Deductible | Combi Care | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 645.80 | CHF 593.80 | CHF 624.00 |
| 500 | CHF 634.10 | CHF 582.20 | CHF 622.80 |
| 1'000 | CHF 604.90 | CHF 564.90 | CHF 480.00 |
| 1'500 | CHF 575.80 | CHF 535.70 | CHF 481.20 |
| 2'000 | CHF 546.60 | CHF 518.40 | CHF 338.40 |
| 2'500 | CHF 517.40 | CHF 489.20 | CHF 338.40 |
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.