CareMed or SmartCare — Region 2, Bern
Region 2, Bern: with Atupri, CareMed costs CHF 537.80 a month in 2026 and SmartCare CHF 517.60, 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 242.40 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 537.80 | CHF 517.60 | CHF 242.40 |
| 500 | CHF 526.20 | CHF 506.00 | CHF 242.40 |
| 1'000 | CHF 497.00 | CHF 476.80 | CHF 242.40 |
| 1'500 | CHF 467.80 | CHF 447.60 | CHF 242.40 |
| 2'000 | CHF 438.70 | CHF 418.50 | CHF 242.40 |
| 2'500 | CHF 409.50 | CHF 389.30 | CHF 242.40 |
The comparison, region by region
- CareMed or SmartCare?
- 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
- 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.