Managed Care sans capitation or Med Direct — Region 1, St. Gallen
Region 1, St. Gallen: with sana24, Managed Care sans capitation costs CHF 545.90 a month in 2026 and Med Direct CHF 538.40, 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 90.00 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 545.90 | CHF 538.40 | CHF 90.00 |
| 500 | CHF 534.20 | CHF 526.80 | CHF 88.80 |
| 1'000 | CHF 505.10 | CHF 497.60 | CHF 90.00 |
| 1'500 | CHF 475.90 | CHF 468.40 | CHF 90.00 |
| 2'000 | CHF 446.70 | CHF 439.30 | CHF 88.80 |
| 2'500 | CHF 417.60 | CHF 410.10 | CHF 90.00 |
The comparison, region by region
- Managed Care sans capitation or Med Direct?
- Aargau
- Appenzell Ausserrhoden
- Basel-Stadt
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- 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.