Combi Care or Med Direct — Region 2, Grisons
Region 2, Grisons: with Visana, Combi Care costs CHF 507.40 a month in 2026 and Med Direct CHF 484.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Med Direct is the cheaper of the two here: CHF 277.20 saved per year against Combi Care, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Combi Care is a "Telemedicine and others" model. Med Direct is a "Family doctor" model.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Combi Care | Med Direct | Gap per year |
|---|---|---|---|
| 300 | CHF 507.40 | CHF 484.30 | CHF 277.20 |
| 500 | CHF 500.70 | CHF 477.70 | CHF 276.00 |
| 1'000 | CHF 466.50 | CHF 443.50 | CHF 276.00 |
| 1'500 | CHF 437.40 | CHF 414.30 | CHF 277.20 |
| 2'000 | CHF 408.20 | CHF 385.20 | CHF 276.00 |
| 2'500 | CHF 379.00 | CHF 356.00 | CHF 276.00 |
The comparison, region by region
- Combi Care or Med Direct?
- 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 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- 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.