CareMed or SmartCare — Region 3, Bern
Region 3, Bern: with Atupri, CareMed costs CHF 525.20 a month in 2026 and SmartCare CHF 510.70, 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 174.00 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. SmartCare is a "Telemedicine and others" model.
The price at every deductible
| Deductible | CareMed | SmartCare | Gap per year |
|---|---|---|---|
| 300 | CHF 525.20 | CHF 510.70 | CHF 174.00 |
| 500 | CHF 513.60 | CHF 499.10 | CHF 174.00 |
| 1'000 | CHF 484.40 | CHF 469.90 | CHF 174.00 |
| 1'500 | CHF 455.20 | CHF 440.70 | CHF 174.00 |
| 2'000 | CHF 426.10 | CHF 411.60 | CHF 174.00 |
| 2'500 | CHF 396.90 | CHF 382.40 | CHF 174.00 |
The comparison, region by region
- CareMed or SmartCare?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.