Med Direct or Tel Care — Region 3, St. Gallen
Region 3, St. Gallen: with Visana, Med Direct costs CHF 511.00 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.
Here Med Direct and Tel Care cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
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 511.00 | CHF 511.00 | — |
| 500 | CHF 504.30 | CHF 504.30 | — |
| 1'000 | CHF 470.10 | CHF 470.10 | — |
| 1'500 | CHF 441.00 | CHF 441.00 | — |
| 2'000 | CHF 411.80 | CHF 411.80 | — |
| 2'500 | CHF 382.60 | CHF 382.60 | — |
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
- 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.