Combi Care or Med Direct — Region 3, St. Gallen
Region 3, St. Gallen: with Visana, Combi Care costs CHF 522.90 a month in 2026 and Med Direct CHF 511.00, 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 142.80 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 522.90 | CHF 511.00 | CHF 142.80 |
| 500 | CHF 516.20 | CHF 504.30 | CHF 142.80 |
| 1'000 | CHF 482.00 | CHF 470.10 | CHF 142.80 |
| 1'500 | CHF 452.90 | CHF 441.00 | CHF 142.80 |
| 2'000 | CHF 423.70 | CHF 411.80 | CHF 142.80 |
| 2'500 | CHF 394.50 | CHF 382.60 | CHF 142.80 |
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 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- 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.