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

Region 3, Grisons: with sana24, Managed Care sans capitation costs CHF 486.80 a month in 2026 and Tel Doc CHF 476.70, 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 121.20 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 486.80CHF 476.70CHF 121.20
500CHF 475.20CHF 465.00CHF 122.40
1'000CHF 446.00CHF 435.90CHF 121.20
1'500CHF 416.80CHF 406.70CHF 121.20
2'000CHF 387.70CHF 377.50CHF 122.40
2'500CHF 358.50CHF 348.40CHF 121.20

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.