Managed Care sans capitation or Tel Doc — Obwalden
Obwalden: with sana24, Managed Care sans capitation costs CHF 491.20 a month in 2026 and Tel Doc CHF 465.30, 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 310.80 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
| Deductible | Managed Care sans capitation | Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 491.20 | CHF 465.30 | CHF 310.80 |
| 500 | CHF 479.50 | CHF 453.70 | CHF 309.60 |
| 1'000 | CHF 450.30 | CHF 424.50 | CHF 309.60 |
| 1'500 | CHF 421.20 | CHF 395.30 | CHF 310.80 |
| 2'000 | CHF 392.00 | CHF 366.20 | CHF 309.60 |
| 2'500 | CHF 362.80 | CHF 337.00 | CHF 309.60 |
The comparison, region by region
- Managed Care sans capitation or Tel Doc?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.