Managed Care or Med Direct — Region 2, Zurich
Region 2, Zurich: with sana24, Managed Care costs CHF 564.80 a month in 2026 and Med Direct CHF 568.60, 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 45.60 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 564.80 | CHF 568.60 | CHF 45.60 |
| 500 | CHF 553.10 | CHF 556.90 | CHF 45.60 |
| 1'000 | CHF 523.90 | CHF 527.70 | CHF 45.60 |
| 1'500 | CHF 494.80 | CHF 498.60 | CHF 45.60 |
| 2'000 | CHF 465.60 | CHF 469.40 | CHF 45.60 |
| 2'500 | CHF 436.40 | CHF 440.20 | CHF 45.60 |
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 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 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.