Med Direct or Tel Doc — Region 2, St. Gallen
Region 2, St. Gallen: with sana24, Med Direct costs CHF 509.90 a month in 2026 and Tel Doc CHF 504.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Tel Doc is the cheaper of the two here: CHF 64.80 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. Tel Doc is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- 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 | Med Direct | Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 509.90 | CHF 504.50 | CHF 64.80 |
| 500 | CHF 498.20 | CHF 492.80 | CHF 64.80 |
| 1'000 | CHF 469.00 | CHF 463.60 | CHF 64.80 |
| 1'500 | CHF 439.90 | CHF 434.50 | CHF 64.80 |
| 2'000 | CHF 410.70 | CHF 405.30 | CHF 64.80 |
| 2'500 | CHF 381.50 | CHF 376.10 | CHF 64.80 |
The comparison, region by region
- Med Direct or Tel Doc?
- 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.