Managed Care sans capitation or Med Direct — Region 3, Zurich
Region 3, Zurich: with sana24, Managed Care sans capitation costs CHF 556.10 a month in 2026 and Med Direct CHF 538.70, 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 208.80 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 556.10 | CHF 538.70 | CHF 208.80 |
| 500 | CHF 544.40 | CHF 527.00 | CHF 208.80 |
| 1'000 | CHF 515.20 | CHF 497.90 | CHF 207.60 |
| 1'500 | CHF 486.10 | CHF 468.70 | CHF 208.80 |
| 2'000 | CHF 456.90 | CHF 439.50 | CHF 208.80 |
| 2'500 | CHF 427.70 | CHF 410.40 | CHF 207.60 |
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 1
- Valais — Region 2
- Zurich — Region 1
- Zurich — Region 2
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.