FlexCare or HMO — Region 1, St. Gallen

Region 1, St. Gallen: with Atupri, FlexCare costs CHF 503.30 a month in 2026 and HMO CHF 500.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

HMO is the cheaper of the two here: CHF 33.60 saved per year against FlexCare, for cover identical under the law. What you pay more or less for is the care pathway.

What you accept in each case

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.

The price at every deductible

Deductible	FlexCare	HMO	Gap per year
300	CHF 503.30	CHF 500.50	CHF 33.60
500	CHF 491.70	CHF 488.90	CHF 33.60
1'000	CHF 462.50	CHF 459.70	CHF 33.60
1'500	CHF 433.30	CHF 430.50	CHF 33.60
2'000	CHF 404.20	CHF 401.40	CHF 33.60
2'500	CHF 375.00	CHF 372.20	CHF 33.60

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.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.