Managed Care sans capitation or Med Direct — Region 1, Valais
Region 1, Valais: with sana24, Managed Care sans capitation costs CHF 571.90 a month in 2026 and Med Direct CHF 560.40, 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 138.00 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 571.90 | CHF 560.40 | CHF 138.00 |
| 500 | CHF 560.30 | CHF 548.70 | CHF 139.20 |
| 1'000 | CHF 531.10 | CHF 519.50 | CHF 139.20 |
| 1'500 | CHF 501.90 | CHF 490.40 | CHF 138.00 |
| 2'000 | CHF 472.80 | CHF 461.20 | CHF 139.20 |
| 2'500 | CHF 443.60 | CHF 432.00 | CHF 139.20 |
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 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 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.