Med Direct or Visana Med Call — Appenzell Innerrhoden
Appenzell Innerrhoden: with Visana, Med Direct costs CHF 418.80 a month in 2026 and Visana Med Call CHF 452.00, 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 398.40 saved per year against Visana Med Call, 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. Visana Med Call is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- Visana Med Call
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 | Visana Med Call | Gap per year |
|---|---|---|---|
| 300 | CHF 418.80 | CHF 452.00 | CHF 398.40 |
| 500 | CHF 412.10 | CHF 445.40 | CHF 399.60 |
| 1'000 | CHF 377.90 | CHF 411.20 | CHF 399.60 |
| 1'500 | CHF 348.80 | CHF 382.00 | CHF 398.40 |
| 2'000 | CHF 319.60 | CHF 352.90 | CHF 399.60 |
| 2'500 | CHF 290.40 | CHF 323.70 | CHF 399.60 |
The comparison, region by region
- Med Direct or Visana Med Call?
- 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.