Managed Care sans capitation or Tel Doc — Region 3, St. Gallen
Region 3, St. Gallen: with sana24, Managed Care sans capitation costs CHF 491.40 a month in 2026 and Tel Doc CHF 481.00, 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 124.80 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 491.40 | CHF 481.00 | CHF 124.80 |
| 500 | CHF 479.70 | CHF 469.40 | CHF 123.60 |
| 1'000 | CHF 450.50 | CHF 440.20 | CHF 123.60 |
| 1'500 | CHF 421.40 | CHF 411.00 | CHF 124.80 |
| 2'000 | CHF 392.20 | CHF 381.90 | CHF 123.60 |
| 2'500 | CHF 363.00 | CHF 352.70 | CHF 123.60 |
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
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- 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.