Managed Care sans capitation or sana24 Med Call — Region 3, Bern
Region 3, Bern: with sana24, Managed Care sans capitation costs CHF 538.80 a month in 2026 and sana24 Med Call CHF 561.40, 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 271.20 saved per year against sana24 Med Call, 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. sana24 Med Call is a "Telemedicine and others" model.
- Managed Care sans capitation
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- sana24 Med Call
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | Managed Care sans capitation | sana24 Med Call | Gap per year |
|---|---|---|---|
| 300 | CHF 538.80 | CHF 561.40 | CHF 271.20 |
| 500 | CHF 527.10 | CHF 549.80 | CHF 272.40 |
| 1'000 | CHF 497.90 | CHF 520.60 | CHF 272.40 |
| 1'500 | CHF 468.80 | CHF 491.40 | CHF 271.20 |
| 2'000 | CHF 439.60 | CHF 462.30 | CHF 272.40 |
| 2'500 | CHF 410.40 | CHF 433.10 | CHF 272.40 |
The comparison, region by region
- Managed Care sans capitation or sana24 Med Call?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- 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.