Hausarzt or Telmed — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with Sumiswalder, Hausarzt costs CHF 471.80 a month in 2026 and Telmed CHF 471.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here Hausarzt and Telmed cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
What you accept in each case
Hausarzt is a "Family doctor" model. Telmed is a "Telemedicine and others" model.
The price at every deductible
| Deductible | Hausarzt | Telmed | Gap per year |
|---|---|---|---|
| 300 | CHF 471.80 | CHF 471.80 | — |
| 500 | CHF 461.00 | CHF 461.00 | — |
| 1'000 | CHF 434.20 | CHF 434.20 | — |
| 1'500 | CHF 407.40 | CHF 407.40 | — |
| 2'000 | CHF 380.60 | CHF 380.60 | — |
| 2'500 | CHF 353.80 | CHF 353.80 | — |
The comparison, region by region
- Hausarzt or Telmed?
- Aargau
- Appenzell Innerrhoden
- 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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Valais — Region 1
- Valais — Region 2
- Zug
- 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.