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Managed Care sans capitation or Tel Doc — Region 3, Zurich

Region 3, Zurich: with sana24, Managed Care sans capitation costs CHF 556.10 a month in 2026 and Tel Doc CHF 497.70, 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 700.80 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 556.10CHF 497.70CHF 700.80
500CHF 544.40CHF 486.00CHF 700.80
1'000CHF 515.20CHF 456.80CHF 700.80
1'500CHF 486.10CHF 427.70CHF 700.80
2'000CHF 456.90CHF 398.50CHF 700.80
2'500CHF 427.70CHF 369.30CHF 700.80

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.