Managed Care sans capitation or sana24 Tel Care — Region 1, St. Gallen
Region 1, St. Gallen: with sana24, Managed Care sans capitation costs CHF 545.90 a month in 2026 and sana24 Tel Care CHF 528.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
sana24 Tel Care is the cheaper of the two here: CHF 206.40 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. sana24 Tel Care 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 Tel Care
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 Tel Care | Gap per year |
|---|---|---|---|
| 300 | CHF 545.90 | CHF 528.70 | CHF 206.40 |
| 500 | CHF 534.20 | CHF 517.00 | CHF 206.40 |
| 1'000 | CHF 505.10 | CHF 487.80 | CHF 207.60 |
| 1'500 | CHF 475.90 | CHF 458.70 | CHF 206.40 |
| 2'000 | CHF 446.70 | CHF 429.50 | CHF 206.40 |
| 2'500 | CHF 417.60 | CHF 400.30 | CHF 207.60 |
The comparison, region by region
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.