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Managed Care sans capitation or Tel Doc — Region 2, Bern

Region 2, Bern: with sana24, Managed Care sans capitation costs CHF 598.40 a month in 2026 and Tel Doc CHF 592.10, 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 75.60 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 598.40CHF 592.10CHF 75.60
500CHF 586.80CHF 580.50CHF 75.60
1'000CHF 557.60CHF 551.30CHF 75.60
1'500CHF 528.40CHF 522.10CHF 75.60
2'000CHF 499.30CHF 493.00CHF 75.60
2'500CHF 470.10CHF 463.80CHF 75.60

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.

Compare every insurer

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