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Managed Care sans capitation or Tel Doc — Region 1, Bern

Region 1, Bern: with sana24, Managed Care sans capitation costs CHF 631.60 a month in 2026 and Tel Doc CHF 624.90, 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 80.40 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. 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 631.60CHF 624.90CHF 80.40
500CHF 619.90CHF 613.30CHF 79.20
1'000CHF 590.70CHF 584.10CHF 79.20
1'500CHF 561.60CHF 554.90CHF 80.40
2'000CHF 532.40CHF 525.80CHF 79.20
2'500CHF 503.20CHF 496.60CHF 79.20

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.