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

Region 2, Schaffhausen: with sana24, Managed Care sans capitation costs CHF 539.90 a month in 2026 and Tel Doc CHF 534.10, 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 69.60 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 539.90CHF 534.10CHF 69.60
500CHF 528.20CHF 522.40CHF 69.60
1'000CHF 499.10CHF 493.30CHF 69.60
1'500CHF 469.90CHF 464.10CHF 69.60
2'000CHF 440.70CHF 434.90CHF 69.60
2'500CHF 411.60CHF 405.80CHF 69.60

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.