CareMed or HMO — Region 2, Bern
Region 2, Bern: with Atupri, CareMed costs CHF 537.80 a month in 2026 and HMO CHF 525.40, 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 148.80 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 537.80 | CHF 525.40 | CHF 148.80 |
| 500 | CHF 526.20 | CHF 513.80 | CHF 148.80 |
| 1'000 | CHF 497.00 | CHF 484.60 | CHF 148.80 |
| 1'500 | CHF 467.80 | CHF 455.40 | CHF 148.80 |
| 2'000 | CHF 438.70 | CHF 426.30 | CHF 148.80 |
| 2'500 | CHF 409.50 | CHF 397.10 | CHF 148.80 |
The comparison, region by region
- CareMed or HMO?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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.