Managed Care or Med Direct — Region 2, St. Gallen
Region 2, St. Gallen: with sana24, Managed Care costs CHF 499.00 a month in 2026 and Med Direct CHF 509.90, 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 130.80 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 499.00 | CHF 509.90 | CHF 130.80 |
| 500 | CHF 487.40 | CHF 498.20 | CHF 129.60 |
| 1'000 | CHF 458.20 | CHF 469.00 | CHF 129.60 |
| 1'500 | CHF 429.00 | CHF 439.90 | CHF 130.80 |
| 2'000 | CHF 399.90 | CHF 410.70 | CHF 129.60 |
| 2'500 | CHF 370.70 | CHF 381.50 | CHF 129.60 |
The comparison, region by region
- Managed Care or Med Direct?
- Aargau
- Appenzell Ausserrhoden
- Basel-Stadt
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- St. Gallen — Region 1
- 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.