Med Direct or VIVA – plan de santé?
sana24 offers both: Med Direct and VIVA – plan de santé. They are available together in 4 premium regions, and the cheaper of the two is not the same everywhere.
The cheaper one is not the same everywhere
Across 4 premium regions where both are offered, Med Direct is cheaper in 0 and VIVA – plan de santé in 4. The average gap between them is CHF 1'115.70 a year.
The gap is widest in Ticino — Region 1: CHF 1'424.40 a year.
What you accept in each case
Med Direct is a "Family doctor" model. VIVA – plan de santé is a "Group practice (HMO)" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- VIVA – plan de santé
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
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.