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Managed Care sans capitation or Tel Doc — Zug

Zug: with sana24, Managed Care sans capitation costs CHF 400.40 a month in 2026 and Tel Doc CHF 396.10, 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 51.60 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 400.40CHF 396.10CHF 51.60
500CHF 388.70CHF 384.40CHF 51.60
1'000CHF 359.60CHF 355.30CHF 51.60
1'500CHF 330.40CHF 326.10CHF 51.60
2'000CHF 301.20CHF 296.90CHF 51.60
2'500CHF 272.10CHF 267.80CHF 51.60

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.