Managed Care or Tel Care — Region 3, St. Gallen
Region 3, St. Gallen: with Visana, Managed Care costs CHF 505.00 a month in 2026 and Tel Care CHF 511.00, 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 72.00 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 505.00 | CHF 511.00 | CHF 72.00 |
| 500 | CHF 498.40 | CHF 504.30 | CHF 70.80 |
| 1'000 | CHF 464.20 | CHF 470.10 | CHF 70.80 |
| 1'500 | CHF 435.00 | CHF 441.00 | CHF 72.00 |
| 2'000 | CHF 405.90 | CHF 411.80 | CHF 70.80 |
| 2'500 | CHF 376.70 | CHF 382.60 | CHF 70.80 |
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 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.