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Managed Care sans capitation or Tel Doc — Aargau

Aargau: with sana24, Managed Care sans capitation costs CHF 561.80 a month in 2026 and Tel Doc CHF 544.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

Tel Doc is the cheaper of the two here: CHF 213.60 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. Tel Doc is a "Telemedicine and others" model.

  • Managed Care sans capitation

    Group practice (HMO)

    You go to a designated group practice, which coordinates your care.

  • Tel Doc

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleManaged Care sans capitationTel DocGap per year
300CHF 561.80CHF 544.00CHF 213.60
500CHF 550.10CHF 532.40CHF 212.40
1'000CHF 520.90CHF 503.20CHF 212.40
1'500CHF 491.80CHF 474.00CHF 213.60
2'000CHF 462.60CHF 444.90CHF 212.40
2'500CHF 433.40CHF 415.70CHF 212.40

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.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.