Med Direct or Tel Care — Appenzell Innerrhoden
Appenzell Innerrhoden: with Visana, Med Direct costs CHF 418.80 a month in 2026 and Tel Care CHF 409.20, 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 115.20 saved per year against Med Direct, 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 418.80 | CHF 409.20 | CHF 115.20 |
| 500 | CHF 412.10 | CHF 402.60 | CHF 114.00 |
| 1'000 | CHF 377.90 | CHF 368.40 | CHF 114.00 |
| 1'500 | CHF 348.80 | CHF 339.20 | CHF 115.20 |
| 2'000 | CHF 319.60 | CHF 310.10 | CHF 114.00 |
| 2'500 | CHF 290.40 | CHF 280.90 | CHF 114.00 |
The comparison, region by region
- Med Direct or Tel Care?
- Aargau
- 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
- 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.