CareMed or HMO — Region 2, Vaud
Region 2, Vaud: with Atupri, CareMed costs CHF 580.50 a month in 2026 and HMO CHF 539.50, 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 492.00 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 580.50 | CHF 539.50 | CHF 492.00 |
| 500 | CHF 568.90 | CHF 527.90 | CHF 492.00 |
| 1'000 | CHF 539.70 | CHF 498.70 | CHF 492.00 |
| 1'500 | CHF 510.50 | CHF 469.50 | CHF 492.00 |
| 2'000 | CHF 481.40 | CHF 440.40 | CHF 492.00 |
| 2'500 | CHF 452.20 | CHF 411.20 | CHF 492.00 |
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
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- 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.