Med Direct or sana24 Tel Care — Region 3, St. Gallen
Region 3, St. Gallen: with sana24, Med Direct costs CHF 486.70 a month in 2026 and sana24 Tel Care CHF 475.90, 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 129.60 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 486.70 | CHF 475.90 | CHF 129.60 |
| 500 | CHF 475.00 | CHF 464.20 | CHF 129.60 |
| 1'000 | CHF 445.90 | CHF 435.00 | CHF 130.80 |
| 1'500 | CHF 416.70 | CHF 405.90 | CHF 129.60 |
| 2'000 | CHF 387.50 | CHF 376.70 | CHF 129.60 |
| 2'500 | CHF 358.40 | CHF 347.50 | CHF 130.80 |
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.