Managed Care sans capitation or Med Direct — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with sana24, Managed Care sans capitation costs CHF 504.00 a month in 2026 and Med Direct CHF 498.50, 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 66.00 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 504.00 | CHF 498.50 | CHF 66.00 |
| 500 | CHF 492.30 | CHF 486.90 | CHF 64.80 |
| 1'000 | CHF 463.20 | CHF 457.70 | CHF 66.00 |
| 1'500 | CHF 434.00 | CHF 428.50 | CHF 66.00 |
| 2'000 | CHF 404.80 | CHF 399.40 | CHF 64.80 |
| 2'500 | CHF 375.70 | CHF 370.20 | CHF 66.00 |
The comparison, region by region
- Managed Care sans capitation or Med Direct?
- Aargau
- 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.