CareMed or SmartCare — Region 1, Zurich
Region 1, Zurich: with Atupri, CareMed costs CHF 555.10 a month in 2026 and SmartCare CHF 543.90, 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 134.40 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 555.10 | CHF 543.90 | CHF 134.40 |
| 500 | CHF 543.50 | CHF 532.30 | CHF 134.40 |
| 1'000 | CHF 514.30 | CHF 503.10 | CHF 134.40 |
| 1'500 | CHF 485.10 | CHF 473.90 | CHF 134.40 |
| 2'000 | CHF 456.00 | CHF 444.80 | CHF 134.40 |
| 2'500 | CHF 426.80 | CHF 415.60 | CHF 134.40 |
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 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 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.