CareMed or HMO — Thurgau
Thurgau: with Atupri, CareMed costs CHF 460.10 a month in 2026 and HMO CHF 448.00, 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 145.20 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 460.10 | CHF 448.00 | CHF 145.20 |
| 500 | CHF 448.50 | CHF 436.40 | CHF 145.20 |
| 1'000 | CHF 419.30 | CHF 407.20 | CHF 145.20 |
| 1'500 | CHF 390.10 | CHF 378.00 | CHF 145.20 |
| 2'000 | CHF 361.00 | CHF 348.90 | CHF 145.20 |
| 2'500 | CHF 331.80 | CHF 319.70 | CHF 145.20 |
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 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- 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.