Med Direct or VIVA – plan de santé — Region 1, Ticino
Region 1, Ticino: with sana24, Med Direct costs CHF 712.50 a month in 2026 and VIVA – plan de santé CHF 593.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
VIVA – plan de santé is the cheaper of the two here: CHF 1'424.40 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. 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 price at every deductible
| Deductible | Med Direct | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 712.50 | CHF 593.80 | CHF 1'424.40 |
| 500 | CHF 700.90 | CHF 582.20 | CHF 1'424.40 |
| 1'000 | CHF 671.70 | CHF 564.90 | CHF 1'281.60 |
| 1'500 | CHF 642.50 | CHF 535.70 | CHF 1'281.60 |
| 2'000 | CHF 613.40 | CHF 518.40 | CHF 1'140.00 |
| 2'500 | CHF 584.20 | CHF 489.20 | CHF 1'140.00 |
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.