CareMed or HMO — Region 1, St. Gallen
Region 1, St. Gallen: with Atupri, CareMed costs CHF 512.80 a month in 2026 and HMO CHF 500.50, 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 147.60 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 512.80 | CHF 500.50 | CHF 147.60 |
| 500 | CHF 501.20 | CHF 488.90 | CHF 147.60 |
| 1'000 | CHF 472.00 | CHF 459.70 | CHF 147.60 |
| 1'500 | CHF 442.80 | CHF 430.50 | CHF 147.60 |
| 2'000 | CHF 413.70 | CHF 401.40 | CHF 147.60 |
| 2'500 | CHF 384.50 | CHF 372.20 | CHF 147.60 |
The comparison, region by region
- CareMed or HMO?
- 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
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- 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.