Med Direct or sana24 Tel Care — Region 2, St. Gallen
Region 2, St. Gallen: with sana24, Med Direct costs CHF 509.90 a month in 2026 and sana24 Tel Care CHF 499.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
sana24 Tel Care is the cheaper of the two here: CHF 130.80 saved per year against Med Direct, 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 Tel Care is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- sana24 Tel Care
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 Tel Care | Gap per year |
|---|---|---|---|
| 300 | CHF 509.90 | CHF 499.00 | CHF 130.80 |
| 500 | CHF 498.20 | CHF 487.40 | CHF 129.60 |
| 1'000 | CHF 469.00 | CHF 458.20 | CHF 129.60 |
| 1'500 | CHF 439.90 | CHF 429.00 | CHF 130.80 |
| 2'000 | CHF 410.70 | CHF 399.90 | CHF 129.60 |
| 2'500 | CHF 381.50 | CHF 370.70 | CHF 129.60 |
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.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.