Combi Care or Tel Care — Region 2, St. Gallen
Region 2, St. Gallen: with Visana, Combi Care costs CHF 533.10 a month in 2026 and Tel Care CHF 521.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Tel Care is the cheaper of the two here: CHF 145.20 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 and Tel Care are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- Combi Care
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Tel Care
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 | Combi Care | Tel Care | Gap per year |
|---|---|---|---|
| 300 | CHF 533.10 | CHF 521.00 | CHF 145.20 |
| 500 | CHF 526.40 | CHF 514.30 | CHF 145.20 |
| 1'000 | CHF 492.20 | CHF 480.10 | CHF 145.20 |
| 1'500 | CHF 463.10 | CHF 451.00 | CHF 145.20 |
| 2'000 | CHF 433.90 | CHF 421.80 | CHF 145.20 |
| 2'500 | CHF 404.70 | CHF 392.60 | CHF 145.20 |
The comparison, region by region
- Combi Care or Tel Care?
- 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.