Med Direct or Tel Doc — Region 3, St. Gallen
Region 3, St. Gallen: with sana24, Med Direct costs CHF 486.70 a month in 2026 and Tel Doc CHF 481.00, 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 68.40 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 486.70 | CHF 481.00 | CHF 68.40 |
| 500 | CHF 475.00 | CHF 469.40 | CHF 67.20 |
| 1'000 | CHF 445.90 | CHF 440.20 | CHF 68.40 |
| 1'500 | CHF 416.70 | CHF 411.00 | CHF 68.40 |
| 2'000 | CHF 387.50 | CHF 381.90 | CHF 67.20 |
| 2'500 | CHF 358.40 | CHF 352.70 | CHF 68.40 |
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 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.