Med Direct or Visana Tel Doc — Appenzell Innerrhoden
Appenzell Innerrhoden: with Visana, Med Direct costs CHF 418.80 a month in 2026 and Visana Tel Doc CHF 423.50, 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 56.40 saved per year against Visana Tel Doc, 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 Tel Doc is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- Visana Tel Doc
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 Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 418.80 | CHF 423.50 | CHF 56.40 |
| 500 | CHF 412.10 | CHF 416.80 | CHF 56.40 |
| 1'000 | CHF 377.90 | CHF 382.70 | CHF 57.60 |
| 1'500 | CHF 348.80 | CHF 353.50 | CHF 56.40 |
| 2'000 | CHF 319.60 | CHF 324.30 | CHF 56.40 |
| 2'500 | CHF 290.40 | CHF 295.20 | CHF 57.60 |
The comparison, region by region
- Med Direct or Visana Tel Doc?
- 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.