Med Direct or Visana Med Call — Region 3, St. Gallen
Region 3, St. Gallen: with Visana, Med Direct costs CHF 511.00 a month in 2026 and Visana Med Call CHF 576.30, 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 783.60 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 511.00 | CHF 576.30 | CHF 783.60 |
| 500 | CHF 504.30 | CHF 569.60 | CHF 783.60 |
| 1'000 | CHF 470.10 | CHF 535.50 | CHF 784.80 |
| 1'500 | CHF 441.00 | CHF 506.30 | CHF 783.60 |
| 2'000 | CHF 411.80 | CHF 477.10 | CHF 783.60 |
| 2'500 | CHF 382.60 | CHF 448.00 | CHF 784.80 |
The comparison, region by region
- Med Direct or Visana Med Call?
- 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.