Médecin de famille 4 or TelMed (Compact One) — Region 2, St. Gallen
Region 2, St. Gallen: with Sanitas, Médecin de famille 4 costs CHF 500.25 a month in 2026 and TelMed (Compact One) CHF 457.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
TelMed (Compact One) is the cheaper of the two here: CHF 515.40 saved per year against Médecin de famille 4, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Médecin de famille 4 is a "Family doctor" model. TelMed (Compact One) is a "Telemedicine and others" model.
- Médecin de famille 4
Family doctor
You pick a family doctor and always go to them first.
- TelMed (Compact One)
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 | Médecin de famille 4 | TelMed (Compact One) | Gap per year |
|---|---|---|---|
| 300 | CHF 500.25 | CHF 457.30 | CHF 515.40 |
| 500 | CHF 488.65 | CHF 445.70 | CHF 515.40 |
| 1'000 | CHF 459.45 | CHF 416.50 | CHF 515.40 |
| 1'500 | CHF 430.25 | CHF 387.30 | CHF 515.40 |
| 2'000 | CHF 401.15 | CHF 358.20 | CHF 515.40 |
| 2'500 | CHF 371.95 | CHF 329.00 | CHF 515.40 |
The comparison, region by region
- Médecin de famille 4 or TelMed (Compact One)?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.