Combi Care or Visana Tel Doc — Region 3, St. Gallen
Region 3, St. Gallen: with Visana, Combi Care costs CHF 522.90 a month in 2026 and Visana Tel Doc CHF 511.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Visana Tel Doc 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 and Visana Tel Doc 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.
- Visana Tel Doc
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 | Visana Tel Doc | 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 Visana Tel Doc?
- 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.