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Managed Care sans capitation or Tel Doc — Region 3, Bern

Region 3, Bern: with sana24, Managed Care sans capitation costs CHF 538.80 a month in 2026 and Tel Doc CHF 533.10, 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 68.40 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 538.80CHF 533.10CHF 68.40
500CHF 527.10CHF 521.40CHF 68.40
1'000CHF 497.90CHF 492.30CHF 67.20
1'500CHF 468.80CHF 463.10CHF 68.40
2'000CHF 439.60CHF 433.90CHF 68.40
2'500CHF 410.40CHF 404.80CHF 67.20

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.