Med Direct or Tel Care — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with Visana, Med Direct costs CHF 483.60 a month in 2026 and Tel Care CHF 500.50, 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 202.80 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
Med Direct is a "Family doctor" model. Tel Care is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- 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 | Med Direct | Tel Care | Gap per year |
|---|---|---|---|
| 300 | CHF 483.60 | CHF 500.50 | CHF 202.80 |
| 500 | CHF 477.00 | CHF 493.80 | CHF 201.60 |
| 1'000 | CHF 442.80 | CHF 459.70 | CHF 202.80 |
| 1'500 | CHF 413.60 | CHF 430.50 | CHF 202.80 |
| 2'000 | CHF 384.50 | CHF 401.30 | CHF 201.60 |
| 2'500 | CHF 355.30 | CHF 372.20 | CHF 202.80 |
The comparison, region by region
- Med Direct or Tel Care?
- Aargau
- Appenzell Innerrhoden
- 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
- 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.