Managed Care sans capitation or Tel Doc — Uri
Uri: with sana24, Managed Care sans capitation costs CHF 620.00 a month in 2026 and Tel Doc CHF 613.20, 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 81.60 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
| Deductible | Managed Care sans capitation | Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 620.00 | CHF 613.20 | CHF 81.60 |
| 500 | CHF 608.40 | CHF 601.50 | CHF 82.80 |
| 1'000 | CHF 579.20 | CHF 572.40 | CHF 81.60 |
| 1'500 | CHF 550.00 | CHF 543.20 | CHF 81.60 |
| 2'000 | CHF 520.90 | CHF 514.00 | CHF 82.80 |
| 2'500 | CHF 491.70 | CHF 484.90 | CHF 81.60 |
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
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- 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.