CareMed or SmartCare — Region 1, Bern
Region 1, Bern: with Atupri, CareMed costs CHF 590.40 a month in 2026 and SmartCare CHF 571.60, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
SmartCare is the cheaper of the two here: CHF 225.60 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. SmartCare is a "Telemedicine and others" model.
The price at every deductible
| Deductible | CareMed | SmartCare | Gap per year |
|---|---|---|---|
| 300 | CHF 590.40 | CHF 571.60 | CHF 225.60 |
| 500 | CHF 578.80 | CHF 560.00 | CHF 225.60 |
| 1'000 | CHF 549.60 | CHF 530.80 | CHF 225.60 |
| 1'500 | CHF 520.40 | CHF 501.60 | CHF 225.60 |
| 2'000 | CHF 491.30 | CHF 472.50 | CHF 225.60 |
| 2'500 | CHF 462.10 | CHF 443.30 | CHF 225.60 |
The comparison, region by region
- CareMed or SmartCare?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- 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
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.