Combi Care or VIVA – plan de santé — Region 2, Ticino
Region 2, Ticino: with sana24, Combi Care costs CHF 609.70 a month in 2026 and VIVA – plan de santé CHF 560.60, 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 589.20 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 609.70 | CHF 560.60 | CHF 589.20 |
| 500 | CHF 598.00 | CHF 549.00 | CHF 588.00 |
| 1'000 | CHF 568.80 | CHF 525.40 | CHF 520.80 |
| 1'500 | CHF 539.70 | CHF 496.20 | CHF 522.00 |
| 2'000 | CHF 510.50 | CHF 472.70 | CHF 453.60 |
| 2'500 | CHF 481.30 | CHF 443.50 | CHF 453.60 |
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.