FlexCare or HMO?

Atupri offers both: FlexCare and HMO. They are available together in 7 premium regions, and the cheaper of the two is not the same everywhere.

The cheaper one is not the same everywhere

Across 7 premium regions where both are offered, FlexCare is cheaper in 0 and HMO in 7. The average gap between them is CHF 396.51 a year.

The gap is widest in Zurich — Region 1: CHF 934.80 a year.

FlexCare is a "Telemedicine and others" model. HMO is a "Group practice (HMO)" model.

FlexCare
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
HMO
Group practice (HMO)
You go to a designated group practice, which coordinates your care.

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.