Managed Care or Tel Doc — Region 3, St. Gallen
Region 3, St. Gallen: with sana24, Managed Care costs CHF 475.90 a month in 2026 and Tel Doc CHF 481.00, 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 61.20 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
| Deductible | Managed Care | Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 475.90 | CHF 481.00 | CHF 61.20 |
| 500 | CHF 464.20 | CHF 469.40 | CHF 62.40 |
| 1'000 | CHF 435.00 | CHF 440.20 | CHF 62.40 |
| 1'500 | CHF 405.90 | CHF 411.00 | CHF 61.20 |
| 2'000 | CHF 376.70 | CHF 381.90 | CHF 62.40 |
| 2'500 | CHF 347.50 | CHF 352.70 | CHF 62.40 |
The comparison, region by region
- Managed Care or Tel Doc?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.