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CareMed or TelFirst — Appenzell Innerrhoden

Appenzell Innerrhoden: with Atupri, CareMed costs CHF 383.70 a month in 2026 and TelFirst CHF 383.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

Here CareMed and TelFirst cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.

What you accept in each case

CareMed is a "Family doctor" model. TelFirst is a "Telemedicine and others" model.

  • CareMed

    Family doctor

    You pick a family doctor and always go to them first.

  • TelFirst

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleCareMedTelFirstGap per year
300CHF 383.70CHF 383.70
500CHF 372.10CHF 372.10
1'000CHF 342.90CHF 342.90
1'500CHF 313.70CHF 313.70
2'000CHF 284.60CHF 284.60
2'500CHF 255.40CHF 255.40

The comparison, region by region

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.