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Sophie

Managed Care or Tel Doc — Region 1, Bern

Region 1, Bern: with sana24, Managed Care costs CHF 609.70 a month in 2026 and Tel Doc CHF 624.90, 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 182.40 saved per year against Tel Doc, 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 609.70CHF 624.90CHF 182.40
500CHF 598.00CHF 613.30CHF 183.60
1'000CHF 568.80CHF 584.10CHF 183.60
1'500CHF 539.70CHF 554.90CHF 182.40
2'000CHF 510.50CHF 525.80CHF 183.60
2'500CHF 481.30CHF 496.60CHF 183.60

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.