CareMed or HMO — Appenzell Innerrhoden
Appenzell Innerrhoden: with Atupri, CareMed costs CHF 383.70 a month in 2026 and HMO CHF 375.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
HMO is the cheaper of the two here: CHF 100.80 saved per year against CareMed, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
CareMed is a "Family doctor" model. HMO is a "Group practice (HMO)" model.
The price at every deductible
| Deductible | CareMed | HMO | Gap per year |
|---|---|---|---|
| 300 | CHF 383.70 | CHF 375.30 | CHF 100.80 |
| 500 | CHF 372.10 | CHF 363.70 | CHF 100.80 |
| 1'000 | CHF 342.90 | CHF 334.50 | CHF 100.80 |
| 1'500 | CHF 313.70 | CHF 305.30 | CHF 100.80 |
| 2'000 | CHF 284.60 | CHF 276.20 | CHF 100.80 |
| 2'500 | CHF 255.40 | CHF 247.00 | CHF 100.80 |
The comparison, region by region
- CareMed or HMO?
- 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
- 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
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.