Med Direct or Tel Care — Region 2, Schaffhausen
Region 2, Schaffhausen: with Visana, Med Direct costs CHF 482.60 a month in 2026 and Tel Care CHF 455.20, 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 328.80 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 482.60 | CHF 455.20 | CHF 328.80 |
| 500 | CHF 476.00 | CHF 448.60 | CHF 328.80 |
| 1'000 | CHF 441.80 | CHF 414.40 | CHF 328.80 |
| 1'500 | CHF 412.60 | CHF 385.20 | CHF 328.80 |
| 2'000 | CHF 383.50 | CHF 356.10 | CHF 328.80 |
| 2'500 | CHF 354.30 | CHF 326.90 | CHF 328.80 |
The comparison, region by region
- Med Direct 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
- St. Gallen — Region 3
- Schaffhausen — Region 1
- 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.