Managed Care sans capitation or Med Direct — Aargau
Aargau: with sana24, Managed Care sans capitation costs CHF 561.80 a month in 2026 and Med Direct CHF 548.20, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Med Direct is the cheaper of the two here: CHF 163.20 saved per year against Managed Care sans capitation, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Managed Care sans capitation is a "Group practice (HMO)" model. Med Direct is a "Family doctor" model.
- Managed Care sans capitation
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Managed Care sans capitation | Med Direct | Gap per year |
|---|---|---|---|
| 300 | CHF 561.80 | CHF 548.20 | CHF 163.20 |
| 500 | CHF 550.10 | CHF 536.50 | CHF 163.20 |
| 1'000 | CHF 520.90 | CHF 507.30 | CHF 163.20 |
| 1'500 | CHF 491.80 | CHF 478.20 | CHF 163.20 |
| 2'000 | CHF 462.60 | CHF 449.00 | CHF 163.20 |
| 2'500 | CHF 433.40 | CHF 419.80 | CHF 163.20 |
The comparison, region by region
- Managed Care sans capitation or Med Direct?
- Appenzell Ausserrhoden
- Basel-Stadt
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.