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

Region 2, Zurich: with sana24, Managed Care sans capitation costs CHF 586.80 a month in 2026 and Tel Doc CHF 537.90, 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 586.80 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

DeductibleManaged Care sans capitationTel DocGap per year
300CHF 586.80CHF 537.90CHF 586.80
500CHF 575.10CHF 526.20CHF 586.80
1'000CHF 545.90CHF 497.10CHF 585.60
1'500CHF 516.80CHF 467.90CHF 586.80
2'000CHF 487.60CHF 438.70CHF 586.80
2'500CHF 458.40CHF 409.60CHF 585.60

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.