Med Direct or sana24 Med Call — Region 2, St. Gallen
Region 2, St. Gallen: with sana24, Med Direct costs CHF 509.90 a month in 2026 and sana24 Med Call CHF 537.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Med Direct is the cheaper of the two here: CHF 325.20 saved per year against sana24 Med Call, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Med Direct is a "Family doctor" model. sana24 Med Call is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- sana24 Med Call
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 | Med Direct | sana24 Med Call | Gap per year |
|---|---|---|---|
| 300 | CHF 509.90 | CHF 537.00 | CHF 325.20 |
| 500 | CHF 498.20 | CHF 525.30 | CHF 325.20 |
| 1'000 | CHF 469.00 | CHF 496.10 | CHF 325.20 |
| 1'500 | CHF 439.90 | CHF 467.00 | CHF 325.20 |
| 2'000 | CHF 410.70 | CHF 437.80 | CHF 325.20 |
| 2'500 | CHF 381.50 | CHF 408.60 | CHF 325.20 |
The comparison, region by region
- Med Direct or sana24 Med Call?
- 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 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 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.