Tel Doc or VIVA – plan de santé — Region 2, Ticino
Region 2, Ticino: with sana24, Tel Doc costs CHF 658.70 a month in 2026 and VIVA – plan de santé CHF 560.60, 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 1'177.20 saved per year against Tel Doc, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Tel Doc is a "Telemedicine and others" model. VIVA – plan de santé is a "Group practice (HMO)" model.
- Tel Doc
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- VIVA – plan de santé
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The price at every deductible
| Deductible | Tel Doc | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 658.70 | CHF 560.60 | CHF 1'177.20 |
| 500 | CHF 647.00 | CHF 549.00 | CHF 1'176.00 |
| 1'000 | CHF 617.80 | CHF 525.40 | CHF 1'108.80 |
| 1'500 | CHF 588.70 | CHF 496.20 | CHF 1'110.00 |
| 2'000 | CHF 559.50 | CHF 472.70 | CHF 1'041.60 |
| 2'500 | CHF 530.30 | CHF 443.50 | CHF 1'041.60 |
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.