Managed Care or Tel Care — Region 1, St. Gallen
Region 1, St. Gallen: with Visana, Managed Care costs CHF 541.30 a month in 2026 and Tel Care CHF 548.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Managed Care is the cheaper of the two here: CHF 84.00 saved per year against Tel Care, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Managed Care is a "Group practice (HMO)" model. Tel Care is a "Telemedicine and others" model.
- Managed Care
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- 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 | Managed Care | Tel Care | Gap per year |
|---|---|---|---|
| 300 | CHF 541.30 | CHF 548.30 | CHF 84.00 |
| 500 | CHF 534.60 | CHF 541.60 | CHF 84.00 |
| 1'000 | CHF 500.50 | CHF 507.50 | CHF 84.00 |
| 1'500 | CHF 471.30 | CHF 478.30 | CHF 84.00 |
| 2'000 | CHF 442.10 | CHF 449.10 | CHF 84.00 |
| 2'500 | CHF 413.00 | CHF 420.00 | CHF 84.00 |
The comparison, region by region
- Managed 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 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.