Managed Care sans capitation or Med Direct — Region 1, Grisons
Region 1, Grisons: with sana24, Managed Care sans capitation costs CHF 559.30 a month in 2026 and Med Direct CHF 565.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Managed Care sans capitation is the cheaper of the two here: CHF 69.60 saved per year against Med Direct, 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 559.30 | CHF 565.10 | CHF 69.60 |
| 500 | CHF 547.60 | CHF 553.50 | CHF 70.80 |
| 1'000 | CHF 518.50 | CHF 524.30 | CHF 69.60 |
| 1'500 | CHF 489.30 | CHF 495.10 | CHF 69.60 |
| 2'000 | CHF 460.10 | CHF 466.00 | CHF 70.80 |
| 2'500 | CHF 431.00 | CHF 436.80 | CHF 69.60 |
The comparison, region by region
- Managed Care sans capitation or Med Direct?
- Aargau
- Appenzell Ausserrhoden
- Basel-Stadt
- Geneva
- Glarus
- 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.