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Managed Care or Tel Doc — Appenzell Ausserrhoden

Appenzell Ausserrhoden: with sana24, Managed Care costs CHF 485.90 a month in 2026 and Tel Doc CHF 482.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

Tel Doc is the cheaper of the two here: CHF 45.60 saved per year against Managed Care, 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. Tel Doc is a "Telemedicine and others" model.

  • Managed Care

    Group practice (HMO)

    You go to a designated group practice, which coordinates your care.

  • Tel Doc

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleManaged CareTel DocGap per year
300CHF 485.90CHF 482.10CHF 45.60
500CHF 474.30CHF 470.40CHF 46.80
1'000CHF 445.10CHF 441.30CHF 45.60
1'500CHF 415.90CHF 412.10CHF 45.60
2'000CHF 386.80CHF 382.90CHF 46.80
2'500CHF 357.60CHF 353.80CHF 45.60

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.