Med Direct or sana24 Med Call — Region 3, St. Gallen
Region 3, St. Gallen: with sana24, Med Direct costs CHF 486.70 a month in 2026 and sana24 Med Call CHF 512.00, 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 303.60 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 486.70 | CHF 512.00 | CHF 303.60 |
| 500 | CHF 475.00 | CHF 500.40 | CHF 304.80 |
| 1'000 | CHF 445.90 | CHF 471.20 | CHF 303.60 |
| 1'500 | CHF 416.70 | CHF 442.00 | CHF 303.60 |
| 2'000 | CHF 387.50 | CHF 412.90 | CHF 304.80 |
| 2'500 | CHF 358.40 | CHF 383.70 | CHF 303.60 |
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 2
- 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.