Managed Care or Med Direct — Region 1, Zurich
Region 1, Zurich: with sana24, Managed Care costs CHF 630.90 a month in 2026 and Med Direct CHF 636.30, 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 64.80 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 630.90 | CHF 636.30 | CHF 64.80 |
| 500 | CHF 619.20 | CHF 624.70 | CHF 66.00 |
| 1'000 | CHF 590.00 | CHF 595.50 | CHF 66.00 |
| 1'500 | CHF 560.90 | CHF 566.30 | CHF 64.80 |
| 2'000 | CHF 531.70 | CHF 537.20 | CHF 66.00 |
| 2'500 | CHF 502.50 | CHF 508.00 | CHF 66.00 |
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 1
- Ticino — Region 2
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- 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.