CareMed or SmartCare — Region 1, St. Gallen
Region 1, St. Gallen: with Atupri, CareMed costs CHF 512.80 a month in 2026 and SmartCare CHF 489.30, 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 282.00 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 512.80 | CHF 489.30 | CHF 282.00 |
| 500 | CHF 501.20 | CHF 477.70 | CHF 282.00 |
| 1'000 | CHF 472.00 | CHF 448.50 | CHF 282.00 |
| 1'500 | CHF 442.80 | CHF 419.30 | CHF 282.00 |
| 2'000 | CHF 413.70 | CHF 390.20 | CHF 282.00 |
| 2'500 | CHF 384.50 | CHF 361.00 | CHF 282.00 |
The comparison, region by region
- CareMed or SmartCare?
- 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
- 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 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.