Managed Care or Med Direct — Region 1, Ticino
Region 1, Ticino: with sana24, Managed Care costs CHF 685.10 a month in 2026 and Med Direct CHF 712.50, 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 328.80 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 685.10 | CHF 712.50 | CHF 328.80 |
| 500 | CHF 673.40 | CHF 700.90 | CHF 330.00 |
| 1'000 | CHF 644.20 | CHF 671.70 | CHF 330.00 |
| 1'500 | CHF 615.10 | CHF 642.50 | CHF 328.80 |
| 2'000 | CHF 585.90 | CHF 613.40 | CHF 330.00 |
| 2'500 | CHF 556.70 | CHF 584.20 | CHF 330.00 |
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 2
- St. Gallen — Region 3
- Solothurn
- Schwyz
- Thurgau
- 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.