Med Direct or VIVA – plan de santé — Neuchâtel
Neuchâtel: with Visana, Med Direct costs CHF 628.70 a month in 2026 and VIVA – plan de santé CHF 554.20, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
VIVA – plan de santé is the cheaper of the two here: CHF 894.00 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. VIVA – plan de santé is a "Group practice (HMO)" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- VIVA – plan de santé
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The price at every deductible
| Deductible | Med Direct | VIVA – plan de santé | Gap per year |
|---|---|---|---|
| 300 | CHF 628.70 | CHF 554.20 | CHF 894.00 |
| 500 | CHF 622.00 | CHF 547.60 | CHF 892.80 |
| 1'000 | CHF 587.90 | CHF 534.20 | CHF 644.40 |
| 1'500 | CHF 558.70 | CHF 505.00 | CHF 644.40 |
| 2'000 | CHF 529.50 | CHF 492.50 | CHF 444.00 |
| 2'500 | CHF 500.40 | CHF 463.30 | CHF 445.20 |
The comparison, region by region
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.