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Managed Care sans capitation or Tel Doc — Neuchâtel

Neuchâtel: with sana24, Managed Care sans capitation costs CHF 709.40 a month in 2026 and Tel Doc CHF 694.60, 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 177.60 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 709.40CHF 694.60CHF 177.60
500CHF 697.70CHF 682.90CHF 177.60
1'000CHF 668.50CHF 653.80CHF 176.40
1'500CHF 639.40CHF 624.60CHF 177.60
2'000CHF 610.20CHF 595.40CHF 177.60
2'500CHF 581.00CHF 566.30CHF 176.40

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.