Managed Care sans capitation or Med Direct — Region 2, Grisons
Region 2, Grisons: with sana24, Managed Care sans capitation costs CHF 527.90 a month in 2026 and Med Direct CHF 533.40, 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 66.00 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 527.90 | CHF 533.40 | CHF 66.00 |
| 500 | CHF 516.30 | CHF 521.70 | CHF 64.80 |
| 1'000 | CHF 487.10 | CHF 492.60 | CHF 66.00 |
| 1'500 | CHF 457.90 | CHF 463.40 | CHF 66.00 |
| 2'000 | CHF 428.80 | CHF 434.20 | CHF 64.80 |
| 2'500 | CHF 399.60 | CHF 405.10 | CHF 66.00 |
The comparison, region by region
- Managed Care sans capitation or Med Direct?
- Aargau
- Appenzell Ausserrhoden
- Basel-Stadt
- Geneva
- Glarus
- Grisons — Region 1
- 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.