Managed Care or Med Direct — Region 1, Grisons
Region 1, Grisons: with sana24, Managed Care costs CHF 547.70 a month in 2026 and Med Direct CHF 565.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Managed Care is the cheaper of the two here: CHF 208.80 saved per year against Med Direct, 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 is a "Group practice (HMO)" model. Med Direct is a "Family doctor" model.
- Managed Care
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Managed Care | Med Direct | Gap per year |
|---|---|---|---|
| 300 | CHF 547.70 | CHF 565.10 | CHF 208.80 |
| 500 | CHF 536.00 | CHF 553.50 | CHF 210.00 |
| 1'000 | CHF 506.80 | CHF 524.30 | CHF 210.00 |
| 1'500 | CHF 477.70 | CHF 495.10 | CHF 208.80 |
| 2'000 | CHF 448.50 | CHF 466.00 | CHF 210.00 |
| 2'500 | CHF 419.30 | CHF 436.80 | CHF 210.00 |
The comparison, region by region
- Managed Care or Med Direct?
- Aargau
- Appenzell Ausserrhoden
- Basel-Stadt
- Geneva
- Glarus
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.