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Managed Care sans capitation or Tel Doc — Appenzell Ausserrhoden

Appenzell Ausserrhoden: with sana24, Managed Care sans capitation costs CHF 504.00 a month in 2026 and Tel Doc CHF 482.10, 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 262.80 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. 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 504.00CHF 482.10CHF 262.80
500CHF 492.30CHF 470.40CHF 262.80
1'000CHF 463.20CHF 441.30CHF 262.80
1'500CHF 434.00CHF 412.10CHF 262.80
2'000CHF 404.80CHF 382.90CHF 262.80
2'500CHF 375.70CHF 353.80CHF 262.80

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.