FlexCare or HMO — Zug
Zug: with Atupri, FlexCare costs CHF 384.90 a month in 2026 and HMO CHF 367.40, 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 210.00 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.
The price at every deductible
| Deductible | FlexCare | HMO | Gap per year |
|---|---|---|---|
| 300 | CHF 384.90 | CHF 367.40 | CHF 210.00 |
| 500 | CHF 373.30 | CHF 355.80 | CHF 210.00 |
| 1'000 | CHF 344.10 | CHF 326.60 | CHF 210.00 |
| 1'500 | CHF 314.90 | CHF 297.40 | CHF 210.00 |
| 2'000 | CHF 285.80 | CHF 268.30 | CHF 210.00 |
| 2'500 | CHF 256.60 | CHF 239.10 | CHF 210.00 |
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.